Ohio Agent's Examination for Life, Accident Unfair claims settlement practices (3901.19-- 26; 3901-1-07; 3901-1-54) and Health Insurance and Variable Products Agent regulation Series 11-35 Commissions, compensations, fees (3905.18; 150 questions – 2.5-hour time limit 3905.181; 3901-5-09(N), 3905.55) Reporting of felony and crimes of moral turpitude (3905.14, .22) Policy/application signature (3905.14(B)(11)) 1.0 Insurance Regulation 5% Appointment procedures 1.1 Licensing Agent appointment (3905.20; 3901-1-10; 3901- Maintenance and duration (3905.06, .16; 3901-5- 5-09(K)) 08; 3901-5-09) Cancellation of appointment (3905.16(B)(1)) Requirements (3905.02, .04, .05, .051, .06; Termination notification (3905.21) 3901-5-08, 3901-5-09) Unfair insurance trade practices (3901.20, .21) Resident/nonresident (3905.06, .07) Rebating (3911.20; 3933.01; 3999.05) Change in name, address, telephone number Premium refunds (3905.14(B)(32); 3999.05, (3905.061, 3905.071; 3901-5-09) Bulletin 2009-13) Renewal/nonrenewal (3905.06; 3901-5-08) False advertising (3901.21(B), (D), .24; Temporary license (3905.09) 3905.43; 3999.10, .11) Duty to report convictions and disciplinary Misrepresentation (3901.21(A),(B); actions in other states (3905.22) 3905.14(B)(5); 3999.08) Assumed business names (3905.11) Defamation of insurer (3901.21(C); 3999.09) Continuing education including exemptions and Unfair discrimination (3901.21(L), (M); penalties (3905.481; 3901-5-01; 3901-5- 3911.16--.19) 05(D)) Illegal inducements (3933.01; 3999.05, Inactivity due to military service (3905.06(G); 3901.21(G), 3911.20, Bulletin 2009-13) 3901-5-09) General grounds for disciplinary action Inactivity due to extenuating circumstances (3905.14(B)) (3905.06(G); 3901-5-09) Examination of books and records (3901.04, .07) Disciplinary actions Insurance fraud regulation (3999.31, .37; ORC License denial, probation, suspension, 2913.47, 3901.44) revocation, or refusal to issue or renew Insurance information privacy (3901.44; 3904.04- (3901.22(D)(1); 3905.14; 3901-5-12) 3904.14; 3905.24, 3904.13) Penalties and fines for violations (3905.14(D), Consumer information/fees (3905.55; 3901-6-04; (H), .99) 3905.181) Cease and desist orders (3901.221; 1.3 Federal regulation 3905.14(G), 3901.22(D)) Fair Credit Reporting Act (15 USC 1681–1681d) Civil Fraud and false statements including 1033 waiver Criminal (18 USC 1033, 1034) Hearings (3901.22; 3905.14(C); ORC 119, Other federal regulations (e.g., Do Not Call List) 3901.321) (https://www.donotcall.gov/) Consent agreements 2.0 General Insurance 5% 1.2 State regulation 2.1 Concepts Acts constituting insurance transactions (3901.17; Risk management key terms 3905.02, 3905.42) Risk Negotiate, sell, solicit (3905.01, .02) Exposure Director's general duties and powers (3901.011, .04, Hazard .041; 3905.12) Peril Company regulation Loss Certificate of authority (3907.08; 3909.01, 08) Methods of handling risk Insolvency (3903.01(N)) Avoidance Policy forms/rates/exceptions (3915.051; Retention 3918.08; 3935.04; 3937.03) Sharing Financial requirements (3901-1-50; 3901-3-04; Reduction 3907.05) Transfer Elements of insurable risks

1 Adverse selection Estate conservation Law of large numbers 3.3 Determining amount of personal life insurance Reinsurance Human life value approach Indemnity/pay on behalf of Needs approach 2.2 Insurers Types of information gathered Types of insurers Determining lump-sum needs Stock companies Planning for income needs Mutual companies 3.4 Business uses of life insurance Fraternal benefit societies Buy-sell funding Reciprocals Key person Lloyd's associations Executive bonuses Risk retention groups 3.5 Viatical settlements (Chapter 3916) Surplus lines Nature and purpose Authorized/admitted versus General rules unauthorized/nonadmitted insurers Viatical settlement broker authority and licensing Domestic, foreign and alien insurers (3916.02, .03) Financial solvency status (e.g., A.M. Best, Standard Definitions (3916.01) and Poor's, Moody's, NAIC) Viatical settlement broker (3916.01(N), .02, Marketing (distribution) systems .03, .04) 2.3 Agents and general rules of agency Viatical settlement provider (3916.01(P), .07) Insurer as principal Viatical settlement contract (3916.01(O)(I); Agent/insurer relationship 3916.08) Authority and powers of agents Viator (3916.01(R)) Express 3.6 Classes of life insurance policies Implied Group versus individual Apparent Ordinary versus industrial (home service) Responsibilities to the applicant/insured Permanent versus term 2.4 Contracts Participating versus nonparticipating Elements of a legal contract Fixed versus variable life insurance and annuities Offer and acceptance 3.7 Premiums Consideration Factors in premium determination Competent parties Mortality Legal purpose Interest Distinct characteristics of an insurance contract Expense Contract of adhesion Premium concepts Aleatory contract Net single premium Personal contract Gross annual premium Unilateral contract Premium payment mode Conditional contract 3.8 Agent responsibilities Legal interpretations affecting contracts Solicitation, sales presentations, and disclosure Ambiguities in a contract of adhesion requirements (3901-6-01, 03) Reasonable expectations Advertising Indemnity Life and Health Insurance Guaranty Association Utmost good faith (3956.06, .18; 3901-1-52) Representations/misrepresentations Backdating of policies (3915.13) Warranties Illustrations (3901-6-04) Concealment Policy summary (3901-6-03(D)(6)) Fraud Buyer's guide (3901-6-03(D)(1)) Waiver and estoppel Guaranty association disclaimer (3956.18; 3.0 Life Insurance Basics 10% 3901-1-52) 3.1 Insurable interest (3911.091, .11) Life insurance policy cost comparison methods 3.2 Personal uses of life insurance Replacement (3901-6-05) Survivor protection Use and disclosure of insurance information Estate creation Field underwriting Cash accumulation Notice of information practices Liquidity Application procedures

2 Delivery Prohibited provisions (3915.09) Policy review Modifications (3915.12) Effective date of coverage 5.2 Beneficiaries Premium collection Designation options Statement of good health Individuals 3.9 Individual underwriting by the insurer Classes Information sources and regulation Estates Application Minors Agent report Trusts Attending physician statement Divorced spouse (RL 5815.33) Investigative consumer (inspection) report Succession Medical Information Bureau (MIB) Revocable versus irrevocable Medical examinations and lab tests including Common disaster clause HIV (3901.46(B)(1)) Spendthrift clause Selection criteria 5.3 Settlement options Classification of risks Cash payment Preferred Interest only Standard Fixed-period installments Substandard Fixed-amount installments Declined Life income 4.0 Life Insurance Policies 8% Single life 4.1 Term life insurance Joint and survivor Level term 5.4 Nonforfeiture options Annual renewable term Cash surrender value Level premium term Extended term Decreasing term Reduced paid-up insurance 4.2 Whole life insurance 5.5 Policy loan and withdrawal options Continuous premium (straight life) Cash loans Limited payment Automatic premium loans Single premium Withdrawals or partial surrenders 4.3 Flexible premium policies 5.6 Dividend options Adjustable life Cash payment Universal life Reduction of premium payments 4.4 Specialized policies Accumulation at interest Joint life (first-to-die) One-year term option Survivorship life (second-to-die) Paid-up additions Juvenile life Paid-up insurance 4.5 Group life insurance 5.7 Disability riders Characteristics of group plans Waiver of premium Types of plan sponsors Waiver of cost of insurance Group underwriting requirements Disability income benefit Conversion to individual policy (3917.06(E–G)) Payor benefit life/disability (juvenile insurance) 4.6 Credit life insurance (individual versus group) 5.8 Living benefit provision/rider (3915.21–.24, 5.0 Life Insurance Policy Provisions, Options and 3923.44(K), (L); 3901-6-06) Riders 10% Accelerated benefit (terminal illness) 5.1 Standard provisions (3915.05) Long-term care Entire contract (C) 5.9 Riders covering additional insureds Right to examine (free look) Spouse/other-insured term rider Payment of premiums (A) Children's term rider Grace period (B) Family term rider Reinstatement (J) 5.10 Riders affecting the death benefit amount Misstatement of age (E) Accidental death Payment of claims (K) Guaranteed insurability Exclusions Cost of living Statements of the insured (D) Return of premium Incontestability ((C), 3911.07) 6.0 Annuities 7%

3 6.1 Annuity principles and concepts Corporate-owned Accumulation period versus annuity period 7.4 Taxation of individual retirement plans Owner, annuitant and beneficiary Traditional IRAs Insurance aspects of annuities Contributions and deductible amounts Suitability requirements (3901-6-13) Premature distributions (including taxation 6.2 Immediate versus deferred annuities issues) Single premium immediate annuities (SPIAs) Annuity phase benefit payments Deferred annuities Values included in the annuitant's estate Premium payment options Amounts received by beneficiary Nonforfeiture Roth IRAs Surrender charges Contributions and limits Death benefits Distributions 6.3 Annuity (benefit) payment options 7.5 Rollovers and transfers (IRAs and qualified Life contingency options plans) Pure life versus life with guaranteed minimum 7.6 Section 1035 exchanges Single life versus multiple life 8.0 Accident and Health Insurance Basics 5% Annuities certain (types) 8.1 Definition of perils 6.4 Fixed annuities Accidental injury General account assets Sickness Interest rate guarantees (minimum versus current) 8.2 Principal types of losses and benefits Level benefit payment amount Loss of income from disability 6.5 Specialty annuity products Medical expense Equity indexed annuities Dental expense Market value adjusted annuities Vision expense 6.6 Uses of annuities Long-term/home health care expense Lump-sum settlements 8.3 Classes of health insurance policies Qualified retirement plans Individual versus group Group versus individual annuities Private versus government Personal uses Limited versus comprehensive Individual retirement plans Self-funded/ERISA Tax-deferred growth Employee association Retirement income 8.4 Limited policies Education funds Limited perils and amounts 6.7 Suitability (3901-6-13) Required notice to insured 7.0 Federal Tax Considerations for Life Insurance Types of limited policies and Annuities 10% Accident-only 7.1 Taxation of personal life insurance Specified (dread) disease Amounts available to policyowner Hospital indemnity (income) Cash value increases Credit disability Dividends Blanket insurance (teams, passengers, other) Policy loans Prescription drugs Surrenders Vision care Amounts received by beneficiary Critical illness General rule and exceptions Dental Settlement options Hearing Values included in insured's estate Medicare supplement (OAC 3901-8-08) 7.2 Modified endowment contracts (MECs) 8.5 Common exclusions from coverage Modified endowment versus life insurance Intentionally self-inflicted injuries Seven-pay test War or act of war Distributions Elective cosmetic surgery 7.3 Taxation of non-qualified annuities Workers' compensation Individually-owned Commission or attempt of a felony Accumulation phase (tax issues related to State child health program withdrawals) 8.6 Agent responsibilities in individual health Annuity phase and the exclusion ratio insurance Distributions at death Marketing requirements

4 Advertising Expense-incurred basis (D) Life and Health Insurance Guaranty Association Other than expense-incurred basis (E) (3956.06; 3956.18; 3901-1-52) Unpaid premium (G) Sales presentations Conformity with state statutes (H) Outline of coverage Illegal occupation (I) Health insurance association/fund Intoxicants and narcotics Common situations for omission/errors 9.3 Other general provisions Field underwriting Right to examine (free look) (3923.31) Nature and purpose Insuring clause Disclosure of information about individuals Consideration clause Application procedures Subrogation Requirements at delivery of policy Renewability clause Employee waiver form Noncancelable 8.7 Individual underwriting by the insurer Guaranteed renewable Criteria Conditionally renewable Unfair discrimination Renewable at option of insurer Genetic testing (3901.49) Nonrenewable (cancelable, term) Sources of underwriting information 10.0 Disability Income and Related Insurance 5% Application 10.1 Qualifying for disability benefits Agent report Inability to perform duties Attending physician statement Own occupation Investigative consumer (inspection) report Any occupation Medical Information Bureau (MIB) Pure loss of income (income replacement contracts) Medical examinations and lab tests (including Presumptive disability HIV consent) (3901.46(B)(1)) Requirement to be under physician care Classification of risks State minimum benefit standards and exclusions Preferred 10.2 Individual disability income insurance Standard Basic total disability plan Substandard Income benefits (monthly indemnity) Declined Elimination and benefit periods 8.8 Considerations in replacing accident and health Waiver of premium feature insurance Coordination with social insurance and workers Pre-existing conditions compensation benefits Waiting period Additional monthly benefit (AMB) State requirements Social insurance supplement (SIS) Benefits, limitations and exclusions Occupational versus nonoccupational coverage, Proof/certificate of credible coverage eligibility and benefits Underwriting requirements At-work benefits Agent liability for errors and omissions Partial disability benefit 9.0 Individual Accident and Health Insurance Policy Residual disability benefit General Provisions 4% Other provisions affecting income benefits 9.1 Standard provisions (3923.04) Cost of living adjustment (COLA) rider Entire contract; changes (A) Future increase option (FIO) rider Time limit on certain defenses (B) Relation of earnings to insurance (3923.05(F)) Grace period (C) Other cash benefits Reinstatement (D) Accidental death and dismemberment Claim procedures (E-I) Rehabilitation benefit Physical examinations and autopsy (J) Medical reimbursement benefit (nondisabling Legal actions (K) injury) Change of beneficiary (L) Benefit and refund provisions Cancellation by insured (M) Return of premium 9.2 Optional standard provisions (3923.05) Cost of living adjustment Change of occupation (A) Future increase option Misstatement of age (B) Relation of earnings to insurance Other insurance in this insurer (C) Loss-of-time benefit adjustment Insurance with other insurers Annual renewable term

5 Change of occupation Hospital outpatient benefits Cash surrender value Alternatives to hospital services Exclusions Utilization management reviews 10.3 Unique aspects of individual disability Prospective review underwriting Concurrent review Occupational considerations Retrospective Benefit limits Grievance procedures Policy issuance alternatives 11.4 Ohio requirements (individual and group) 10.4 Group disability income insurance Eligibility requirements Group versus individual plans Dependent child coverage (3923.24, .56; RL Short-term disability (STD) 1751.14; 3923.241) Long-term disability (LTD) Newborn child coverage (3923.26; RL 10.5 Business disability insurance 1751.61) Key person disability income Coverage of adopted children (3923.40; Business overhead expense policy 3924.51; RL 1751.59) Disability buy-sell policy Enrollment Reducing term Non-custodial parent 10.6 Social Security disability Grandchildren Qualification for disability benefits Immunizations Definition of disability Physically/mentally handicapped coverage Waiting period Women's benefits Disability income benefits Cytologic screening and mammography 10.7 Workers compensation (3923.52; RL 1751.62) Eligibility Infertility Benefits Maternity 11.0 Medical Plans 6% Postpartum 11.1 Medical plan concepts Routine pap smears Fee-for-service basis versus prepaid basis Annual gynecological exams Specified coverages versus comprehensive care 11.5 HIPAA (Health Insurance Portability and Benefit schedule versus usual/reasonable/customary Accountability Act) requirements charges Eligibility Any provider versus limited choice of providers Privacy Insureds versus subscribers/participants Guaranteed issue 11.2 Types of providers and plans Pre-existing conditions Major medical insurance (indemnity plans) Creditable coverage Characteristics Renewability Common limitations Mental health parity Exclusions from coverage Security provisions Provisions affecting cost to insured 11.6 Health Savings Accounts (HSAs) and Flexible Health insuring corporations (HICs) (formerly Spending Accounts (FSAs) known as health maintenance organizations) Definition Preferred provider organizations (PPOs) Eligibility General characteristics Contribution limits In and out of network 11.7 PPACA (Patient Protection and Affordable Types of parties to the provider contract Care Act) (Bulletin 10-01; Bulletin 2011-03) Point-of-service (POS) plans Adverse benefit determination (3922.01–.23) Nature and purpose 12.0 Health Insuring Corporations (HICs) 4% Out-of-network provider access 12.1 General characteristics PCP referral (gatekeeper PPO) Combined health care delivery and financing Indemnity plan features Limited service area Consumer Driven Plans Limited choice of providers Ohio Children's Health Insurance Program (RL Gatekeeper concept 5160; 5161) Copayments 11.3 Cost containment in health care delivery Prepaid basis Cost-saving services 12.2 HIC services (1751.01) Preventive care Basic health services (RL 1751.01(A))

6 Preventive care services Regulatory jurisdiction/place of delivery Primary care physician versus referral Disclosure form (specialty) physician 13.4 Employer group health insurance Emergency care Insurer underwriting criteria Urgent care Characteristics of group Hospital services Nondiscrimination Outpatient services Plan design factors - Diagnostic services contributary/noncontributary Supplemental health care services (RL 1751.01(B)) Persistency factors Intermediate or long-term care facilities Administrative capability Dental care State requirements Vision care Eligibility for coverage Podiatric care Annual open enrollment Mental health services Part-time employees Alcohol and drug abuse treatment Dependent, spousal eligibility Home health services Domestic partners/civil unions Prescription drug services Coordination of benefits provision Nursing services Change of insurance companies or loss of coverage Physical therapy Coinsurance and deductible carryover Chiropractic services No-loss no-gain 12.3 HIC certification and regulation (1751.31 Events that terminate coverage Amended by SB9) Extension of benefits Solicitation documents (RL 1751.31) Continuation of coverage under COBRA and Advertising (RL 1751.20) Ohio-specific rules (3923.38) Confidentiality of medical and health information Cancellation or nonrenewal (RL 1751.52) Reinstatement for military personnel Open enrollment (RL 1751.15) 13.5 Small employer medical plans HIPAA federally eligible individual (FEI) Definition of small employer (3924.01(N)) Non-FEI (RL 1751.15) Eligibility/availability of employees (3924.01(G)) Evidence of coverage and information provided to Open/late enrollment (3924.01(I)) subscribers (RL 1751.11, .33) Pre-existing conditions (3924.03(L)) Renewal (RL 1751.18) Waiting period (3924.01(M)) 12.4 Specialty HIC (RL 1751.01(C)) Guaranteed issue (3924.03(E)) Structure and providers Renewability (3924.03(B)) Contractual plan Premium rates (3924.04) Evidence of coverage Disclosure rules (3924.033) Benefits and exclusions 14.0 Dental Care Plans 2% Open enrollment provision 14.1 Categories of dental treatment Member rights (RL 1751.19(B)) Diagnostic and preventive 13.0 Group Accident and Health Insurance 6% Restorative 13.1 Characteristics of group insurance Oral surgery Group contract Endodontics Certificate of coverage Periodontics Experience rating versus community rating Prosthodontics 13.2 Types of eligible groups Orthodontics Employment-related groups 14.2 Indemnity plans Individual employer plans Choice of providers Multiple-Employer Trusts (METs) or Welfare Scheduled versus nonscheduled plans Arrangements (MEWAs) Deductibles Associations Coinsurance Risk pools Exclusions, limitations Blanket Benefit categories Students Diagnostic/preventive services Customer groups (depositors, creditor-debtor, other) Basic services 13.3 Marketing considerations Major services Advertising Deductibles and coinsurance

7 Combination plans 15.4 Long-term care (LTC) policies (3901-4-01, 8- Exclusions 08; 3923.44; OAC 3901-8-08 Amended; HB 59; Limitations ORC Chapters 1751, 3901, 3923) Predetermination of benefits LTC, Medicare and Medicaid compared 14.3 Employer group dental expense Eligibility for benefits Integrated deductibles versus stand-alone plans Levels of care Minimizing adverse selection Skilled care Stand-alone plans Intermediate care 15.0 Insurance for Senior Citizens and Special Needs Custodial care Individuals 9% Home health care 15.1 Medicare Adult day care Nature, financing, administration and terminology Respite care Part A — Hospital Insurance Assisted living Individual eligibility requirements Benefit periods Enrollment Benefit amounts Coverages and cost-sharing amounts Optional benefits Exclusions Guarantee of insurability Part B — Medical Insurance Return of premium Individual eligibility requirements Qualified LTC plans Enrollment Exclusions Coverages and cost-sharing amounts Underwriting considerations Exclusions Ohio regulations and required provisions Claims terminology and other key terms Standards for marketing (3901-4-01(V) Part C — Medicare Advantage Advertising (3901-4-01(U)) Part D — Prescription Drug Insurance Appropriateness of recommended purchase 15.2 Medicare supplements (3901-4-01 Appendix D, (3901-4-01(W)) I; 3901-8-07, 08 Appendix C, D; 3923.33, .38, Inflation protection (3901-4-01(M)) .41, .331–.336, .581; OAC 3901-8-08 Amended, Replacement (3901-4-01(N)) including Appendix C) Unintentional lapse (3901-4-01(G)) Purpose Outline of coverage (3901-4-01, (DD); Open enrollment 3923.44(I)) Standardized Medicare supplement plans Shopper's guide (3901-4-01(EE)) Core benefits Pre-existing conditions (3923.44(B)(4)) Additional benefits 16.0 Federal Tax Considerations for Accident and Ohio regulations and required provisions Health Insurance 4% Standards for marketing 16.1 Personally-owned health insurance Advertising Disability income insurance Appropriateness of recommended purchase and Benefits subject to FICA excessive insurance Medical expense insurance Outline of coverage Long-term care insurance Right to return (free look) 16.2 Employer group health insurance Replacement Disability income (STD, LTD) Required disclosure provisions Benefits subject to FICA Permitted compensation arrangements Medical, dental and vision expense Notice of change Long-term care insurance Guaranteed issue Accidental death and dismemberment Medicare SELECT 16.3 Medical expense coverage for sole proprietors 15.3 Other options for individuals with Medicare and partners Employer group health plans 16.4 Business disability insurance Disabled employees Key person disability income Employees with kidney failure Buy-sell policy Individuals age 65 and older 16.5 Medical Savings Accounts (MSAs) and Health Medicaid Savings Accounts (HSAs) Eligibility 16.6 Health Reimbursement Accounts (HRAs) Benefits Differences

8 Ohio Agent's Examination for Property and Unfair claims settlement practices (3901.19-- .26; 3901-1-07; 3901-1-54) Casualty Insurance Agent regulation Series 11-36 Commissions, compensations, fees (3905.18; 150 questions – 2.5-hour time limit 3905.181; 3901-5-09(N), 3905.55) Reporting of felony and crimes of moral turpitude (3905.14, .22) Policy/application signature (3905.14(B)(11)) 1.0 Insurance Regulation 9% Appointment procedures 1.1 Licensing Agent appointment (3905.20; 3901-1-10; 3901- Maintenance and duration (3905.06, .16; 3901-5- 5-09(K)) 08; 3901-5-09) Cancellation of appointment (3905.16(B)(1)) Requirements (3905.02, .04, .05, .051, .06; Termination notification (3905.21) 3901-5-08; 3901-5-09) Unfair insurance trade practices (3901.20, .21) Resident/nonresident (3905.06, .07) Rebating (3911.20; 3933.01; 3999.05) Change in name, address, telephone number Premium refunds (3905.14(B)(32); 3999.05, (3905.061; 3905.071; 3901-5-09) Bulletin 2009-13) Renewal/nonrenewal (3905.06; 3901-5-08) False advertising (3901.21(B), (D), .24; Temporary license (3905.09) 3905.43; 3999.10, .11) Duty to report convictions and disciplinary Misrepresentation (3901.21(A),(B); actions in other states (3905.22) 3905.14(B)(5); 3999.08) Assumed business names (3905.11) Defamation of insurer (3901.21(C); 3999.09) Continuing education including exemptions and Unfair discrimination (3901.21(L), (M); penalties (3905.481; 3901-5-01; 3901-5- 3911.16--.19) 05(D)) Illegal inducements (3933.01; 3999.05, Inactivity due to military service (3905.06(G); 3901.21(G), 3911.20, Bulletin 2009-13) 3901-5-09) General grounds for disciplinary action Inactivity due to extenuating circumstances (3905.14(B)) (3905.06(G); 3901-5-09) Examination of books and records (3901.04, .07) Disciplinary actions Insurance fraud regulation (3999.31, .37; ORC License denial, probation, suspension, 2913.47, 3901.44) revocation, or refusal to issue or renew Insurance information privacy (3901.44; 3904.04- (3901.22(D)(1); 3905.14; 3901-5-12) 3904.14; 3905.24, 3904.13) Penalties and fines for violations (3905.14(D), Consumer information/fees (3905.55; 3901-6-04; (H), .99) 3905.181) Cease and desist orders (3901.221; 1.3 Federal regulation 3905.14(G), 3901.22(D)) Fair Credit Reporting Act (15 USC 1681–1681d) Civil Fraud and false statements including 1033 waiver Criminal (18 USC 1033, 1034) Hearings (3901.22; 3905.14(C); ORC 119, Other federal regulations (e.g., Do Not Call List) 3901.321) (https://www.donotcall.gov/) Consent agreements 2.0 General Insurance 9% 1.2 State regulation 2.1 Concepts Acts constituting insurance transactions (3901.17; Risk management key terms 3905.02, 3905.42) Risk Negotiate, sell, solicit (3905.01, .02) Exposure Director's general duties and powers (3901.011, .04, Hazard .041; 3905.12) Peril Company regulation Loss Certificate of authority (3907.08; 3909.01, .08) Methods of handling risk Insolvency (3903.01(N)) Avoidance Policy forms/ rates/ exceptions (3915.051; Retention 3918.08; 3935.04; 3937.03) Sharing Financial requirements (3901-1-50; 3901-3-04; Reduction 3907.05) Transfer Elements of insurable risks

9 Adverse selection Types Law of large numbers Loss costs Reinsurance Components Indemnity/pay on behalf of Hazards 2.2 Insurers Physical Types of insurers Moral Stock companies Morale Mutual companies Negligence Fraternal benefit societies Elements of a negligent act Reciprocals Defenses against negligence Lloyd's associations Damages Risk retention groups Compensatory — special versus general and Surplus lines punitive Authorized/admitted versus Absolute liability unauthorized/nonadmitted insurers Strict liability Domestic, foreign and alien insurers Vicarious liability Financial solvency status (e.g., A.M. Best, Standard Causes of loss (perils) and Poor's, Moody's, NAIC) Direct loss Marketing (distribution) systems Consequential or indirect loss 2.3 Agents and general rules of agency Named perils versus special (open) perils Insurer as principal Blanket versus specific insurance Agent/insurer relationship Basic types of construction Authority and powers of agents Loss valuation Express Actual cash value Implied Replacement cost Apparent Functional replacement cost Responsibilities to the applicant/insured Market/agreed value 2.4 Contracts Valued amount Elements of a legal contract Stated amount Offer and acceptance 3.2 Policy structure Consideration Declarations Competent parties Definitions Legal purpose Insuring agreement or clause Distinct characteristics of an insurance contract Additional/supplementary coverage Contract of adhesion Conditions Aleatory contract Exclusions Personal contract Endorsements Unilateral contract 3.3 Common policy provisions Conditional contract Insureds — named, first named, additional Legal interpretations affecting contracts Policy period Ambiguities in a contract of adhesion Policy territory Reasonable expectations Cancellation and nonrenewal Indemnity Deductibles Utmost good faith Coinsurance Representations/misrepresentations Other insurance Warranties Nonconcurrency Concealment Primary and excess Fraud Pro rata Waiver and estoppel Contribution by equal shares 3.0 Property and Casualty Insurance Basics 16% Limits of liability insurance 3.1 Principles and concepts Per occurrence (accident) Insurable interest Per person Underwriting Aggregate — general versus products — Credit scores completed operations Loss ratio Split Rates Combined single

10 Restoration/nonreduction of limits Special provisions — Ohio (DP 01 34) Vacancy or unoccupancy Automatic increase in insurance (DP 04 11) Named insured provisions Broad theft coverage (DP 04 72) Duties after loss Dwelling under construction (DP 11 43) Assignment 4.7 Personal liability supplement Abandonment 5.0 Homeowners ('11) Policy 14% Policy provisions 5.1 Eligibility and definitions Liberalization 5.2 Coverage forms Subrogation HO-2 through HO-6 Salvage HO-8 Claim settlement options 5.3 Section I — Property coverages Replacement cost vs. actual cash value Coverage A — Dwelling Duty to defend Coverage B — Other structures Third-party provisions Coverage C — Personal property Standard mortgage clause Coverage D — Loss of use Loss payable clause Additional coverages No benefit to the bailee 5.4 Section II — Liability coverages Additional insured Coverage E — Personal liability 3.4 Ohio laws, regulations and required provisions Coverage F — Medical payments to others Ohio Valued Policy Law (3929.25) Additional coverages Ohio Insurance Guaranty Association (3955.01–.10, 5.5 Perils insured against .12.–.19) 5.6 Exclusions Cancellation and nonrenewal (3929.19–.22, .24; 5.7 Conditions 3937.25 -.41; 3901-1-18(c)) 5.8 Selected endorsements Binders (4509.56; 3901-1-18) Special provisions — Ohio (HO 01 34) Retaliatory provisions and fees (3901.86; 3905.55) Limited fungi, wet or dry rot, or bacteria coverage Concealment, misrepresentation or fraud (3999.31) (HO 04 26, HO 04 27) Declination of insurance and unfair discrimination Permitted incidental occupancies (HO 04 42) (3901.21(L), (M)) Earthquake (HO 04 54) Mine subsidence (3929.50–.53, .55, .56, .58–.61; Scheduled personal property (HO 04 61) 3901-1-48) Personal property replacement cost (HO 04 90) Terrorism Risk Insurance Act of 2005, Extension Home day care (HO 04 97) Act of 2005, and Program Reauthorization Act of Business pursuits (HO 24 71) 2007 (15 UC 6701) Watercraft (HO 24 75) Unfair Property/Casualty Claims Settlement Personal injury (HO 24 82) Practices (3901-1-54; 3901-1-07) 6.0 Auto Insurance 14% 4.0 Dwelling ('02) Policy 6% 6.1 Laws 4.1 Characteristics and purpose Ohio Motor Vehicle Financial Responsibility Law Eligibility (4509.01–.81) Cancellation/nonrenewal Required limits of liability (4509.51) Reasons Uninsured/underinsured motorist Notice Definitions (3937.18(A)(B),(C)) 4.2 Coverage forms — Perils insured against Bodily injury (3937.18(B),(C)) Basic Property damage (3937.181) Broad Stacked and non-stacked (3937.18(F),(G)) Special Required limits (4509.51) 4.3 Property coverages Intrafamily liability exclusion (3937.46) Coverage A — Dwelling Cancellation/nonrenewal (3937.30–.41, .46) Coverage B — Other structures Reasons Coverage C — Personal property Notice Coverage D — Fair rental value Prohibition against use of intrafamily liability Coverage E — Additional living expense exclusion (3937.46) Other coverages Use of non-OEM aftermarket crash parts (1345.81) 4.4 General exclusions 6.2 Personal ('05) auto policy 4.5 Conditions and definitions Eligibility, definitions, and conditions 4.6 Selected endorsements Liability coverages

11 Combined single limits versus split limits Common policy declarations Bodily injury and property damage Common policy conditions Supplementary payments Interline endorsements Exclusions One or more coverage parts Medical payments coverage 7.2 Commercial general liability ('13) Uninsured/underinsured motorist coverage Commercial general liability coverages Bodily injury Bodily injury and property damage liability Property damage Personal and advertising injury liability Required limits Medical payments Coverage for damage to your auto Supplementary payments Collision Fire legal liability Other than collision Limits of insurance Deductibles Exclusions Transportation expenses Conditions Exclusions Definitions Substitute transportation Claims-made features Towing and labor (PP 03 03) Trigger General provisions Retroactive date Selected endorsements Extended reporting periods Amendment of policy provisions — Ohio (PP Claim information 01 86) Occurrence versus claims-made Extended non-owned coverage (PP 03 06) Premises and operations Miscellaneous type vehicle (PP 03 23) Per occurance/aggregate Joint ownership coverage (PP 03 34) Products and completed operations 6.3 Commercial auto ('13) Insured contract Commercial auto coverage forms Contingent liability Business auto Pollution liability Garage Coverage form Business auto physical damage Limited coverage form Truckers Extention endorsement Motor carrier 7.3 Commercial property ('12) Coverage form sections Definitions, conditions, exclusions Symbols/covered autos Coverage forms Liability coverage Building and personal property Garagekeepers coverage Condominium association Trailer interchange coverage Condominium commercial unit-owners Physical damage coverage Builders risk Eligibility Business income Exclusions Legal liability Conditions Extra expense Definitions Causes of loss forms Selected endorsements Basic Lessor — Additional insured and loss payee Broad (CA 20 01) Special Mobile equipment (CA 20 15) Selected endorsements Auto medical payments coverage (CA 99 03) Ordinance or law (CP 04 05) Drive other car coverage (CA 99 10) Spoilage (CP 04 40) Individual named insured (CA 99 17) Peak season limit of insurance (CP 12 30) Broad form products coverage Value reporting form (CP 13 10) Employees as insureds 7.4 Crime and fidelity ('13) Commercial carrier regulations General definitions The Motor Carrier Act of 1980 Burglary Endorsement for motor carrier policies of Theft insurance for public liability (MCS-90) Robbery 7.0 Commercial Package Policy (CPP) 12% Crime coverage forms 7.1 Components of a commercial policy

12 Commercial crime coverage forms Farm liability coverage forms ('06) (discovery/loss sustained) Coverage H — Bodily injury and property Government crime coverage forms damage liability (discovery/loss sustained) Coverage I — Personal and advertising injury Coverages liability Employee theft Coverage J — Medical payments Forgery or alteration Livestock coverage form Inside the premises — theft of money and Mobile agricultural machinery and equipment securities coverage form Inside the premises — robbery or safe burglary Causes of loss (basic, broad and special) of other property Additional coverages Outside the premises Eligibility Computer fraud Exclusions Funds transfer fraud Additional coverages Money orders and counterfeit money Limits of insurance Other crime coverage Conditions Extortion — commercial entities (CR 04 03) Definitions Lessees of safe deposit boxes 8.0 Businessowners ('13) Policy 9% Securities deposited with others 8.1 Eligibility Guests' property 8.2 Businessowners Section I — Property Safe depository Eligibility and definitions 7.5 Commercial inland marine ('04) General conditions Nationwide marine definition Loss conditions Inland marine conditions forms Exclusions Commercial inland marine coverage forms Coverage Accounts receivable Limits of insurance Bailee's customer Deductibles Commercial articles Optional coverages Contractors equipment floater 8.3 Businessowners Section II — Liability Electronic data processing Coverages Equipment dealers Exclusions Installation floater Limits of insurance Jewelers block General conditions Signs Definitions Valuable papers and records 8.4 Businessowners Section III — Common Policy Transportation coverages Conditions Common carrier cargo liability 8.5 Selected endorsements Motor truck cargo forms Hired auto and non-owned auto liability (BP 04 04) Transit coverage forms Protective safeguards (BP 04 30) 7.6 Equipment breakdown ('13) Utility services — direct damage (BP 04 56) Definitions, coverages and exclusions (EB 00 20) Utility services — time element (BP 04 57) Selected endorsements 9.0 Workers Compensation Insurance 4% Business income — Report of values (EB R 9.1 Workers compensation laws 002) Types of laws Actual cash value (EB 99 59) Compulsory versus elective (4123.12, .35, .54) 7.7 Farm coverage Monopolistic versus competitive Farm property coverage forms ('03) Ohio Workers Compensation Law (Chapter 4123) Coverage A — Dwellings Exclusive remedy (4123.54) Coverage B — Other private structures Employment coverage (required, voluntary, Coverage C — Household personal property elective) (4123.01, .28, .54) Coverage D — Loss of use Covered injuries (4123.54, .55, .84) Coverage E — Scheduled farm personal Occupational disease (4123.01(F)) property Benefits provided (4123.30, .54, .55–.59, .60– Coverage F — Unscheduled farm personal .61, .66) property Second/subsequent injury fund Coverage G — Other farm structures Federal workers compensation laws

13 U.S. Longshore and Harbor Workers Implied warranties Compensation Act (33 UC 904) Perils Federal Employers Liability Act General and particular average Workers' Compensation Act 10.6 Ocean marine insurance The Jones Act Policy provisions 9.2 Workers compensation and employer liability Hull, cargo freight insurance insurance policy Protection and indemnity Part One — Workers compensation insurance Implied warranties Part Two — Employers liability insurance Perils Part Three — Other states insurance General and particular average Part Four - Your duty if injury occurs 10.7 National Flood Insurance Program Part Five - Premium "Write your own" versus government Part Six - Conditions Eligibility 9.3 Selected endorsements and rating factors Coverage Foreign coverage Limits Voluntary compensation Deductibles All states 10.8 Other policies Job classification Boatowners Payroll Personal watercraft Experience modification factor Recreational vehicles Premium discounts Difference in conditions Participitation plans 10.9 Residual markets 10.0 Other Coverages and Options 7% Insurance Underwriting Plan 10.1 Umbrella/excess liability policies FAIR plans (3929.41–.49; 3901-1-18) Personal (DL 98 01) Commercial Insurance Joint Underwriting Commercial (CU 00 01) Association (3930.01–.18) 10.2 Specialty liability insurance Ohio Automobile Insurance Plan (4509.70) Professional liability Errors and omissions Directors and officers liability Ohio Agent's Examination for Title Fiduciary liability Insurance Liquor liability Employment practices liability Series 11-37 Employee benefits 60 questions – One-hour time limit Identity fraud expense coverage 10.3 Surplus lines Eleigibility, definitions and non-admitted markets Licensing requirements 1.0 Insurance Regulation 10% 10.4 Surety bonds 1.1 Licensing Nature of bonds Types of licensees Bond period Definitions/general requirements (3905.01, .02; Discovery bond 3953.01, 3953.03) Limit of liability Title agent additional requirements Termination of coverage (3953.01(H); 3953.21(B)) Parties to a bond Inactivity due to military service (3905.06(G); Principal, obligee, surety 3901-5-09) Purpose of bonds Maintenance and duration (3905.06(C), .16; 3901- Surety, fidelity 5-08; 09(G)(5),(6), (H)(6),(7) Types of fidelity bonds Change in name, address, telephone number Employee theft, public official, financial (3905.061; 3901-5-09) institution, fidutiary Duty to report convictions and disciplinary Types of surety bonds actions in other states (3905.22; 3905.071) Contract, license, judicial, permit Assumed business names (3905.11) 10.5 Aviation insurance Continuing education (3905.481; 3901-5-01; Aircraft liability 3901-5-05(D) Hull, cargo freight Disciplinary actions

14 Cease and desist orders (3901.221; 3905.14(G); Other federal regulations (e.g., Do Not Call list) 3905.22(D)) (www.donotcall.gov.) License suspension, revocation, or refusal to 2.0 General Insurance 10% issue or renew (3905.14; 3901-5-09(F)(14)) 2.1 Concepts Penalties and fines for violations (3905.14(D), Risk management key terms (H), .99) Risk 1.2 State regulation Exposure Director's general duties and powers (3901.011, .04, Loss .041; 3905.12) Insurable interest Company regulation Reinsurance Certificate of authority (3925.12; 3953.04) 2.2 Agents and general rules of agency Agent appointment (3905.20, .21; 3901-1-10; Insurer as principal 3901-5-09(K)) Agent/insurer relationship Title marketing representative appointment Authority and powers of agents (3901-5-09(G)) Express Insolvency (3903.01(N)) Implied Prohibited business (3953.09) Apparent Financial requirements (3925.12; 3953.05; Responsibilities to the applicant/insured 3953.06) 2.3 Contracts Closing Protection Coverage (3953.32) Elements of a legal contract Agent regulation Offer and acceptance Commissions (3905.18; 3953.25; 3901-5- Consideration 09(N)) Competent parties Trust account (3953.231; 3901-7-01) Legal purpose Interest on trust account (IOTA) (3953.231) Legal interpretations affecting contracts Division of fees and charges (3953.27) Ambiguities in a contract of adhesion Illegal compensation (3953.26; 3901-7-04) Reasonable expectations Consumer fees (3905.55) Indemnity Surety bonds and errors and omissions coverage Utmost good faith (3953.23; 3901-7-02) Representations/misrepresentations Closing protection coverage (3953.32) Warranties Controlled business (3901-7-04) Concealment Unfair insurance trade practices Fraud Rebating (3901.21(G); 3933.01; 3953.26; 3.0 Real Property 35% 3999.05) 3.1 Concepts, principles and practices Misrepresentation (3901.21(A), (B); Definition of real property 3905.14(B)(5); 3999.08) Types of real property False advertising (3901.21(B), (D); 3905.43; Title to real property 3999.10, .11) Marketable title Defamation of insurer (3901.21(C); 3999.09) 3.2 Acquisition and transfer of real property Unfair discrimination (3901.21(L), (F), (M); Conveyances 3911.16–.19) Encumbrances Illegal inducements (3901.21(G); 3933.01; Adverse possession 3953.26; 3999.05; 3901-7-04) Condemnation Controlled business (3901-7-04; Dower 3905.14(B)(34); 3953.21(B)) Involuntary alienation Examination of books and records (3901.04, .07; Abandonment 3953.23; 3901-7-01) Judicial sales Insurance fraud regulation (3999.31, .37; RC Land installment contract 2913.47; 3901.44) Leases Insurance information privacy (3904.13; 3905.24; Decedents' estates 3901.44; 3904.04; 3904.14) Intestate 1.3 Federal regulation Testate Fair Credit Reporting Act (15 USC 1681–1681d) Divorce, dissolution and annulment Fraud and false statements including 1033 waiver Trusts (18 USC 1033, 1034) Types of joint ownership

15 Tenants in common 5.0 Title Exceptions and Procedures for Clearing Joint tenancy Title 25% Acknowledgments 5.1 Principles and concepts Legal capacity of parties General exceptions Individuals Voluntary and involuntary liens Corporations Federal liens General partnerships Mortgage Limited partnerships Judgments Fictitious names Taxes and assessments Trust agreements Surveys Limited Liability Company (LLC) Condominiums 3.3 Legal descriptions Water rights Types of legal descriptions Mineral rights Types of measurements used Equitable interests Language of legal descriptions Attachments Structure and format Executions Interpretation Covenants, conditions and restrictions 3.4 Escrow principles 5.2 Special problem areas and concerns Escrow terminology Ohio child support lien Types of escrows Acknowledgments Escrow contracts Mechanic's lien Fiduciary responsibilities of escrow agents Bankruptcy 3.5 Recording Probate Types of records Forfeitures Types of recording systems Foreclosure Requirements to record Claims against the title Recording steps Lis pendens Acknowledgments 5.3 Principles of clearing title 4.0 Title Insurance 20% Releases 4.1 Title insurance principles Assignments Risks covered by title insurance Subordinations Risk of error in public records Affidavits Hidden off-record title risks 5.4 Settlement or closing procedures Risk of omission and commission by agent Real Estate Settlement Procedures Act (RESPA) Entities that can be insured; need for insurance Closing protection letter Individual Good funds Commercial Interests that can be insured Fee simple estate Ohio Examination for Public Adjuster Leasehold estate Life estate Series 11-38 Easements 100 questions – Two-hour time limit Mortgagee Title insurance forms Commitments Owner's policy 1.0 Insurance Regulation 5% Loan policy 1.1 Licensing requirements (3951.02) Leasehold policies Definitions (3951.01) Title insurance policy structure and provisions Qualifications (3951.03) Insuring provisions Certificate of authority (3951.02, .03; 3951.04) Schedule A Process/issuance or denial (3951.03–.04) Schedule B — exceptions from coverage License fees (3951.06(A)) Exclusions from coverage Surety bond (3951.06(D)) Conditions and stipulations Written examination (3951.05) Endorsements Waiver of examination (3951.09) 4.2 Title searching techniques Reciprocal licensing (3951.09)

16 Claim adjustment contract requirements (3901-1- Replacement cost 24(D)) Functional replacement cost Prohibited activities (3901-1-24(B); 3951.08) Market value 1.2 Maintenance and duration Agreed value Requirements (3951.02–.04; 3901-5-09) Stated amount Renewal (3951.06(C), (D)) 2.3 Policy structure Change in name, address, telephone number Declarations (3905.061; 3901-5-09; 3905.071) Definitions Supplement to certificate of authority (3951.06(B)) Insuring agreement or clause Assumed business name (3905.11) Additional/supplementary coverage Continuing education Conditions 1.3 Disciplinary actions Exclusions Cease and desist order (3901.221; 3905.14(G)) Endorsements Suspension and revocation (3901.22(D)(1); 2.4 Common policy provisions 3905.14; 3951.07; 3901-1-24(G)) Insureds — named, first named, additional Penalties for violations (3951.99; 3901-1-24(G)) Policy period 1.4 Claim settlement laws and regulations (3901-1- Policy territory 24(B), 54; RC 2913.47(B)) Cancellation and nonrenewal Unfair trade practices (3901.20–.21; 3901-1-07) Deductibles 2.0 Insurance Basics 18% Other insurance 2.1 Contract basics Nonconcurrency Elements of a legal contract Primary and excess Offer and acceptance Pro rata Consideration Contribution by equal shares Competent parties Policy limits Legal purpose Restoration/nonreduction of limits Distinct characteristics of an insurance contract Coinsurance Contract of adhesion Vacancy or unoccupancy Aleatory contract Assignment Personal contract Liberalization Unilateral contract Third-party provisions Conditional contract Standard mortgage clause Legal interpretations affecting contracts Loss payable clause Ambiguities in a contract of adhesion No benefit to the bailee Reasonable expectations 2.5 Ohio laws, regulations and required provisions Indemnity Ohio Valued Policy Law (3929.25) Utmost good faith Ohio Insurance Guaranty Association (3955.01–.10, Representations/misrepresentations .12–.19; 3901-1-25) Warranties Ohio FAIR Plan (3929.41–.49; 3901-1-18) Concealment Cancellation and nonrenewal (3929.19–.22, .24, Fraud 3937.25–.35; 3901-1-18) Waiver and estoppel Concealment, misrepresentation or fraud (3999.31) 2.2 Insurance principles and concepts Mine subsidence (3929.50–.53, .55, .56, .58–.61; Hazards 3901-1-48) Physical Terrorism Risk Insurance Act of 2005, Extension Moral Act of 2005, and Program Reauthorization Act of Morale 2007 (15 UC 6701) Causes of loss (perils) 3.0 Adjusting Losses 15% Named perils versus special (open) perils 3.1 Role of the adjuster (Reg 3901-1-24) Proximate cause Duties and responsibilities Direct loss Independent adjuster versus public adjuster Consequential or indirect loss (3951.01(B)) Blanket versus specific insurance Public adjuster versus public adjuster agent Basic types of construction (3951.01(B),(C), .03(E)) Loss valuation Relationship to the legal profession (3951.01(E)(1), Actual cash value .08)

17 Records (3901-1-24(C)) 5.6 Conditions 3.2 Duties of insured after loss 5.7 Selected endorsements Notice to insurer Special provisions — Ohio (HO 01 34) Minimizing loss Limited fungi, wet or dry rot, or bacteria coverage Proof of loss (HO 04 26, HO 04 27) Special requirements Permitted incidental occupancies (HO 04 42) Production of books and records Earthquake (HO 04 54) Abandonment Scheduled personal property (HO 04 61) 3.3 Determining value and loss Personal property replacement cost (HO 04 90) Burden of proof of value and loss Home day care (HO 04 97) Estimates 6.0 Auto Insurance 8% Depreciation 6.1 Laws Salvage Aftermarket parts regulation (RL 1345.81) Appraisal 6.2 Personal ('05) auto policy 3.4 Payment and discharge Definitions Claim settlement options Coverage for damage to your auto Practical adjustment procedures (determine and Collision evaluate) Other than collision Building construction Deductibles Inventory analysis Transportation expenses Time element Exclusions Improvement and betterments Duties after an accident or loss Builders risk General provisions 4.0 Dwelling ('02) Policy 5% Selected endorsements 4.1 Characteristics and purpose Amendment of policy provisions — Ohio (PP 4.2 Coverage forms — Perils insured against 01 86) Basic Towing and labor costs (PP 03 03) Broad Extended non-owned coverage (PP 03 06) Special Miscellaneous type vehicle (PP 03 23) 4.3 Property coverages Joint ownership coverage (PP 03 34) Coverage A — Dwelling 6.3 Commercial auto ('13) Coverage B — Other structures Commercial auto coverage forms Coverage C — Personal property Business auto Coverage D — Fair rental value Garage Coverage E — Additional living expense Business auto physical damage Other coverages Truckers 4.4 General exclusions Motor carrier 4.5 Conditions Coverage form sections 4.6 Selected endorsements Covered autos Special provisions — Ohio (DP 01 34) Garagekeepers coverage Automatic increase in insurance (DP 04 11) Trailer interchange coverage Broad theft coverage (DP 04 72) Physical damage coverage Dwelling under construction (DP 11 43) Exclusions 5.0 Homeowners ('11) Policy 10% Conditions 5.1 Coverage forms Definitions HO-2 through HO-6 Selected endorsements HO-8 Lessor — Additional insured and loss payee 5.2 Definitions (CA 20 01) 5.3 Section I — Property coverages Mobile equipment (CA 20 15) Coverage A — Dwelling Drive other car coverage (CA 99 10) Coverage B — Other structures Individual named insured (CA 99 17) Coverage C — Personal property Commercial carrier regulations Coverage D — Loss of use The Motor Carrier Act of 1980 Additional coverages Endorsement for motor carrier policies of 5.4 Perils insured against insurance for public liability (MCS-90) 5.5 Exclusions 7.0 Commercial Package Policy (CPP) 20%

18 7.1 Components of a commercial policy Equipment dealers Common policy declarations Installation floater Common policy conditions Jewelers block Interline endorsements Signs One or more coverage parts Valuable papers and records 7.2 Commercial property ('12) Transportation coverages Commercial property conditions form Motor truck cargo forms Coverage forms Transit coverage forms Building and personal property 7.5 Equipment Breakdown ('13) Condominium association Equipment breakdown protection coverage form Condominium commercial unit-owners (BM 00 20) Builders risk Selected endorsements Business income Business income — Report of values (BM 15 Legal liability 31) Extra expense Actual cash value (BM 99 59) Causes of loss forms 7.6 Farm coverage Basic Farm property coverage forms ('03) Broad Coverage A — Dwellings Special Coverage B — Other private structures Selected endorsements Coverage C — Household personal property Ordinance or law (CP 04 05) Coverage D — Loss of use Spoilage (CP 04 40) Coverage E — Scheduled farm personal Peak season limit of insurance (CP 12 30) property Value reporting form (CP 13 10) Coverage F — Unscheduled farm personal 7.3 Commercial crime ('13) property General definitions Coverage G — Other farm structures Burglary Mobile agricultural machinery and equipment Theft coverage form Robbery Livestock coverage form Crime coverage forms Definitions Commercial crime coverage forms Causes of loss (basic, broad and special) (discovery/loss sustained) Conditions Government crime coverage forms Exclusions (discovery/loss sustained) Limits Coverages Additional coverages Employee theft 8.0 Businessowners ('13) Policy 16% Forgery or alteration 8.1 Characteristics and purpose Inside the premises — theft of money and 8.2 Businessowners Section I — Property securities Coverage Inside the premises — robbery or safe burglary Exclusions of other property Limits of insurance Outside the premises Deductibles Computer fraud Loss conditions Funds transfer fraud General conditions Money orders and counterfeit money Optional coverages Other crime coverage Definitions Extortion — commercial entities (CR 04 03) 8.3 Businessowners Section III — Common Policy 7.4 Commercial inland marine ('04) Conditions Nationwide marine definition 8.4 Selected endorsements Commercial inland marine conditions form Protective safeguards (BP 04 30) Inland marine coverage forms Utility services — direct damage (BP 04 56) Accounts receivable Utility services — time element (BP 04 57) Bailee's customer 9.0 Other Coverages 3% Commercial articles 9.1 National Flood Insurance Program Contractors equipment floater "Write your own" versus government Electronic data processing Eligibility

19 Coverage Solicitation on grounds of courthouse or Limits detention facility (3901-1-66(I); Deductibles 3905.932(B)) 9.2 Ocean marine insurance Practice of law (3905.932(H)) Major coverages Referral of attorney (3905.932(A)) Hull insurance Signing bond in blank (3905.931(A), .933(A)) Cargo insurance Solicit without license (3905.84) Freight insurance Surety Bail Bond Agent Conduct (3901-1-66) Implied warranties Unfair and prohibited practices (3901.20, .21) Perils Misrepresentation (3901.21(A); 3905.14(B)(5); General and particular average 3999.08) 9.3 Other policies False advertising (3905.934) Aircraft hull Defamation of insurer (3901.21(C); 3999.09) Boatowners Charges, refunds and rebates (3905.14(B)(32), Difference in conditions .932(D),(F), .933(B)) 1.3 Federal regulation Fair Credit Reporting Act (15 USC 1681–1681d) Ohio Agent's Examination for Surety Bail Fraud and false statements (18 USC 1033, 1034) Bonds Series 11-42 2.0 The Legal Framework 35% 2.1 Authority 60 questions – One-hour time limit Express Implied Apparent 1.0 Insurance Regulation 25% 2.2 Contracts Elements of a legal contract 1.1 Licensing Offer and acceptance Director's general duties and powers (3901.011, .04, Consideration .041; 3905.12) Competent parties Process (3905.85) Legal purpose License requirements (3905.84, .841, .85) Classifications of contracts Resident qualifications (3905.841, .85) Formal and informal Non-resident qualifications (3905.07, .841, .85) Unilateral and bilateral Requirements Executory and executed contracts Build up funds (3905.91(A)) Express and implied Agent appointment/termination (3905.20, .21, Concealment .86; 3901-1-10; 3901-5-09; 3905.86) Fraud Initial restriction regarding executing and 2.3 Court jurisdictions delivering bonds (3905.85(C)) Original jurisdiction Maintenance and duration (3905.85(F)(1) Territorial Change in name, address, telephone number Subject-matter (3905.061, .071, .89; 3901-5-09) Personal License renewals (3901-5-09 (J); 3905.85(F)) Appellate jurisdiction Duty to report convictions and disciplinary 2.4 Terminology actions in other states (3905.22) Acquit Continuing education (3905.88; 3901-5-01) Adjudicate Disciplinary actions Capital offense Cease and desist order (3901.221; 3905.14(G); Conviction 3901.21(D)) Custody License suspension, revocation, or refusal to Defendant issue or renew (3901.22(D)(1); 3905.14, .94; Disposition 3901-5-12) Extradition Penalties for violations (3905.14, .99; Felony 2927.27(C)) Fugitive 1.2 Agent regulation Hearing Record maintenance and examination (3905.90) Incarceration Prohibited conduct Indictment

20 Misdemeanor Notice to defendant and sureties Recognizance Judgment Revoke Dispersal of funds Suspend Time limits for appeal Warrant Arrest after forfeiture Writ 3.0 Bail Bond Principles and Practices 40% 3.1 Parties to a surety bond Ohio Agent's Examination for Personal Principal Lines Insurance Indemnitor for principal Indemnity agreement Series 11-43 Obligee 100 questions – Two-hour time limit Surety 3.2 Duties of surety bail bond agent Power of attorney (3905.931(A)) Duty to register (3905.87) 1.0 Insurance Regulation 10% Collateral and trust obligations (3905.92) 1.1 Licensing Build-up funds (3905.91) Maintenance and duration (3905.06, .16; 3901-5- Duties when apprehending fugitives 08; 3901-5-09) Written contract (2927.27(A)(2)) Requirements (3905.02, .04, .05, .051, .06; 3901-5- Duty to notify law enforcement 08; 3901-5-09) (2927.27(A)(3)) Resident/nonresident (3905.06, .07) Prohibition of representation as bounty hunter Change in name, address, telephone number (2927.27(B)) (3905.061; 3905.071; 3901-5-09) 3.3 Types of bonds Renewal/nonrenewal (3905.06; 3901-5-08) Personal surety bond Temporary license (3905.09) Corporate surety bond Duty to report convictions and disciplinary actions Criminal defendant bonds in other states (3905.22) Bail Assumed business names (3905.11) Appeal Continuing education including exemptions and Habeas corpus penalties (3905.481; 3901-5-01; 3901-5-05(D)) Property bond Inactivity due to military service (3905.06(G); Nonsurety/cash (3905.932(G); 3901-1- 3901-5-09) 66(c)(1)) Inactivity due to extenuating circumstances 3.4 Procedure (3905.06(G); 3901-5-09) Application for bond (surety/defendant contract) Disciplinary actions Collateral security License denial, probation, suspension, Surety contract revocation, or refusal to issue or renew Posting the bond (3901.22(D)(1); 3905.14; 3901-5-12) Informational notice Penalties and fines for violations (3905.14(D), 3.5 Court procedures (H), .99) Court appearances Cease and desist orders (3901.221; Arraignment 3905.14(G); 3901.22(D)) Trial Civil Appeal Criminal Conditions of release Hearings (3901.22; 3905.14(C); ORC 119; Prior to trial 3901.321) Pending appeal Consent agreements Failure to appear 1.2 State regulation Revocation of bail Acts constituting insurance transactions (3901.17; 3.6 Release of surety 3905.02; 3905.42) 3.7 Surrender of principal (defendant) Negotiate, sell, solicit (3905.01, .02) Exoneration of bond Director's general duties and powers (3901.011, .04, Return of collateral .041; 3905.12) 3.8 Bond forfeiture Company regulation Motion (3905.92(D)) Certificate of authority (3907.08; 3909.01, .08)

21 Insolvency (3903.01(N)) Retention Policy forms/rates/exceptions (3915.051; Sharing 3918.08; 3935.04; 3937.03) Reduction Financial requirements (3901-1-50; 3901-3-04; Transfer 3907.05) Elements of insurable risks Unfair claims settlement practices (3901.19-- Adverse selection .26; 3901-1-07; 3901-1-54) Law of large numbers Agent regulation Reinsurance Commissions, compensation, fees (3905.18; Indemnity/pay on behalf of 3905.181; 3901-5-09(N); 3905.55) 2.2 Insurers Reporting of felony and crimes of moral Types of insurers turpitude (3905.14, 22) Stock companies Policy/application signature (3905.14(B)(11)) Mutual companies Appointment procedures Fraternal benefit societies Agent appointment (3905.20; 3901-1-10; 3901- Reciprocals 5-09(K)) Lloyd's associations Cancellation of appointment (3905.16(B)(1)) Risk retention groups Termination notification (3905.21) Surplus lines Unfair insurance trade practices (3901.20, .21) Comparison of insurers Rebating (3911.20; 3933.01; 3999.05) Authorized/admitted versus Premium refunds (3905.14(B)(32); 3999.05; unauthorized/nonadmitted insurers Bulletin 2009-13) Domestic, foreign and alien insurers False advertising (3901.21(B), (D), .24; Financial solvency status (e.g., A.M. Best, 3905.43; 3999.10, .11) Standard and Poor's, Moody's, NAIC) Misrepresentation (3901.21(A),(B); Marketing (distribution systems) 3905.14(B)(5); 3999.08) 2.3 Agents and general rules of agency Defamation of insurer (3901.21(C); 3999.09) Insurer as principal Unfair discrimination (3901.21(L), (M); Agent/insurer relationship 3911.16--.19) Authority and powers of agents Illegal inducements (3933.01; 3999.05; Express 3901.21(G); 3911.20; Bulletin 2009-13) Implied General grounds for disciplinary action Apparent (3905.14(B)) Responsibilities to the applicant/insured Examination of books and records (3901.04, .07) 2.4 Contracts Insurance fraud regulation (3999.31, .37; ORC Elements of a legal contract 2913.47; 3901.44) Offer and acceptance Insurance information privacy (3901.44; 3904.04- Consideration 3904.14; 3905.24; 3904.13) Competent parties Consumer information/fees (3905.55; 3901-6-04; Legal purpose 3905.181) Distinct characteristics of an insurance contract 1.3 Federal regulation Contract of adhesion Fair Credit Reporting Act (15 USC 1681–1681d) Aleatory contract Fraud and false statements including 1033 waiver Personal contract (18 USC 1033, 1034) Unilateral contract Other federal regulations (e.g., Do Not Call List) Conditional contract (https://www.donotcall.gov) Legal interpretations affecting contracts 2.0 General Insurance 10% Ambiguities in a contract of adhesion 2.1 Concepts Reasonable expectations Risk management key terms Indemnity Risk Utmost good faith Exposure Representations/misrepresentations Hazard Warranties Peril Concealment Loss Fraud Methods of handling risk Waiver and estoppel Avoidance 3.0 Property and Casualty Insurance Basics 17%

22 3.1 Principles and concepts Limits of liability/ insurance Insurable interest Per occurrence (accident) Underwriting Per person Credit scores Aggregate Loss ratio Split Rates Combined single Types Restoration/nonreduction of limits Loss costs Vacancy or unoccupancy Components Named insured provisions Hazards Duties after loss Physical Assignment Moral Abandonment Morale Policy provisions Negligence Liberalization Elements of a negligent act Subrogation Defenses against negligence Salvage Damages Claim settlement options Compensatory — special versus general Duty to defend Punitive Third-party provisions Absolute liability Standard mortgage clause Strict liability Loss payable clause Vicarious liability No benefit to the bailee Causes of loss (perils) Additional insured Direct loss 3.4 Ohio laws, regulations and required provisions Consequential Ohio Valued Policy Law (3929.25) Indirect Ohio Insurance Guaranty Association (3955.01–.10, Named perils versus special (open) perils .12–.19) Blanket versus specific insurance Assigned risk/JUA (Joint Underwriting Association) Basic types of construction Cancellation and nonrenewal (3929.19–.22, .24; Loss valuation 3937.25–.41) Actual cash value Binders (4509.56; 3901-1-18) Replacement cost Arbitration Functional replacement cost Loss payment Market/agreed value Retaliatory Provisions and fees (3901.86, 3905.55) Stated amount Concealment, misrepresentation or fraud (3999.31; Valued policy 2913.47) 3.2 Policy structure Declination of insurance and unfair discrimination Declarations (3901.21(L), (M)) Definitions Mine subsidence (3929.50–.53, .55, .56, .58–.61; Insuring agreement or clause 3901-1-48) Additional/supplementary coverage Unfair Property/Casualty Claims Settlement Conditions Practices (3901-1-54; 3901-1-07) Exclusions Terrorism Risk Insurance Act of 2005 and Program Endorsements Reauthorization Act of 2007 (15 UC 6701; public 3.3 Common/basic policy provisions Law 109-144) Insureds — named, first named, additional Prohibition against use of intrafamily liability Policy period exclusion (3937.46) Policy territory 4.0 Dwelling ('02) Policy 10% Cancellation and nonrenewal 4.1 Characteristics and purpose Coinsurance Eligibility Deductibles 4.2 Coverage forms — Perils insured against Other insurance Basic Nonconcurrency Broad Primary and excess Special Pro rata 4.3 Property coverages Contribution by equal shares Coverage A — Dwelling

23 Coverage B — Other structures Uninsured/underinsured motorist Coverage C — Personal property Definitions (3937.18(A)(B),(C)) Coverage D — Fair rental value Bodily injury (3937.18(B),(C)) Coverage E — Additional living expense Property damage (3937.181) Other coverages Stacked and non-stacked (3937.18(F)(G)) 4.4 General exclusions Required limits 4.5 Definitions and conditions Cancellation/nonrenewal (3937.30–.41) 4.6 Selected endorsements Grounds Special provisions — Ohio (DP 01 34) Notice Automatic increase in insurance (DP 04 11) 6.2 Personal ('05) auto policy Broad theft coverage (DP 04 72) Eligibility, definitions, conditions Dwelling under construction (DP 11 43) Liability coverages 4.7 Personal liability supplement Combined single limits versus split limits Cancellation/renewal Bodily injury and property damage 5.0 Homeowners ('11) Policy 23% Supplementary payments 5.1 Coverage forms Exclusions HO-2 through HO-6 Medical payments coverage HO-8 Uninsured/underinsured motorist coverage 5.2 Eligibility / definitions Bodily injury 5.3 Section I — Property coverages Property damage Coverage A — Dwelling Required limits Coverage B — Other structures Coverage for damage to your auto Coverage C — Personal property Collision Coverage D — Loss of use Other than collision Additional coverages Deductibles 5.4 Section II — Liability coverages Transportation expenses Coverage E — Personal liability Exclusions Coverage F — Medical payments to others Substitute transportation Additional coverages Towing and labor costs PP 03 03 5.5 Perils insured against Duties after an accident or loss 5.6 Exclusions General provisions 5.7 Conditions Selected endorsements 5.8 Selected endorsements Amendment of policy provisions — Ohio (PP Special provisions — Ohio (HO 01 34) 01 86) Limited fungi, wet or dry rot, or bacteria coverage Extended non-owned coverage (PP 03 06) (HO 04 26, HO 04 27) Miscellaneous type vehicle (PP 03 23) Permitted incidental occupancies (HO 04 42) Joint ownership coverage (PP 03 34) Earthquake (HO 04 54) 7.0 Other Coverages and Options 7% Scheduled personal property (HO 04 61) 7.1 Umbrella/excess liability policies Personal property replacement cost (HO 04 90) Personal (DL 98 01) Home day care (HO 04 97) 7.2 National Flood Insurance Program Business pursuits (HO 24 71) "Write your own" versus government Watercraft (HO 24 75) Eligibility Personal injury (HO 24 82) Coverage 6.0 Auto Insurance 23% Limits 6.1 Laws Deductibles Ohio Motor Vehicle Financial Responsibility Law 7.3 Other policies (4509.01–.81) Boatowners (Personal watercraft and recreational Required limits of liability (4509.51) vehicles) Constructive total loss 7.4 Residual markets Arbitration Insurance Underwriting Plan Rental vehicle coverage FAIR plans (3929.41–.49; 3901-1-18) Use of non-OEM aftermarket crash parts Ohio Automobile Insurance Plan (4509.70) (1345.81) Ohio Automobile Insurance Plan / Ohio Automobile Insurance Assigned Risk Plan

24 Unfair claims settlement practices (3901.19-- .26; 3901-1-07; 3901-1-54) Ohio Agent's Examination for Life Agent regulation Series 11-44 Commissions, compensation, fees (3905.18; 100 questions – Two-hour time limit 3905.181; 3901-5-09(N); 3905.55) Reporting of felony and crimes of moral turpitude (3905.14, 22) Policy/application signature (3905.14(B)(11)) 1.0 Insurance Regulation 12% Appointment procedures 1.1 Licensing Agent appointment (3905.20; 3901-1-10; 3901- Maintenance and duration (3905.06, .16; 3901-5- 5-09(K)) 08; 3901-5-09) Cancellation of appointment (3905.16(B)(1)) Requirements (3905.02, .04, .05, .051, .06; Termination notification (3905.21) 3901-5-08; 3901-5-09) Unfair insurance trade practices (3901.20, .21) Resident/nonresident (3905.06, .07) Rebating (3911.20; 3933.01; 3999.05) Change in name, address, telephone number Premium refunds (3905.14(B)(32); 3999.05; (3905.061; 3905.071; 3901-5-09) Bulletin 2009-13) Renewal/nonrenewal (3905.06; 3901-5-08) False advertising (3901.21(B), (D), .24; Temporary license (3905.09) 3905.43; 3999.10, .11) Duty to report convictions and disciplinary Misrepresentation (3901.21(A),(B); actions in other states (3905.22) 3905.14(B)(5); 3999.08) Assumed business names (3905.11) Defamation of insurer (3901.21(C); 3999.09) Continuing education including exemptions and Unfair discrimination (3901.21(L), (M); penalties (3905.481; 3901-5-01; 3901-5- 3911.16--.19) 05(D)) Illegal inducements (3933.01; 3999.05; Inactivity due to military service (3905.06(G); 3901.21(G); 3911.20; Bulletin 2009-13) 3901-5-09) General grounds for disciplinary action Inactivity due to extenuating circumstances (3905.14(B)) (3905.06(G); 3901-5-09) Examination of books and records (3901.04, .07) Disciplinary actions Insurance fraud regulation (3999.31, .37; ORC License denial, probation, suspension, 2913.47; 3901.44) revocation, or refusal to issue or renew Insurance information privacy (3901.44; 3904.04- (3901.22(D)(1); 3905.14; 3901-5-12) 3904.14; 3905.24; 3904.13) Penalties and fines for violations (3905.14(D), Consumer information/fees (3905.55; 3901-6-04; (H), .99) 3905.181) Cease and desist orders (3901.221; 1.3 Federal regulation 3905.14(G); 3901.22(D)) Fair Credit Reporting Act (15 USC 1681–1681d) Civil Fraud and false statements including 1033 waiver Criminal (18 USC 1033, 1034) Hearings (3901.22; 3905.14(C); ORC 119; Other federal regulations (e.g., Do Not Call List) 3901.321) (https://www.donotcall.gov/) Consent agreements 2.0 General Insurance 12% 1.2 State regulation 2.1 Concepts Acts constituting insurance transactions (3901.17; Risk management key terms 3905.02; 3905.42) Risk Negotiate, sell, solicit (3905.01, .02) Exposure Director's general duties and powers (3901.011, .04, Hazard .041; 3905.12) Peril Company regulation Loss Certificate of authority (3907.08; 3909.01, .08) Methods of handling risk Insolvency (3903.01(N)) Avoidance Policy forms/rates/exceptions (3915.051; Retention 3918.08; 3935.04; 3937.03) Sharing Financial requirements (3901-1-50; 3901-3-04; Reduction 3907.05) Transfer Elements of insurable risks

25 Adverse selection Estate conservation Law of large numbers 3.3 Determining amount of personal life insurance Reinsurance Human life value approach Indemnity/pay on behalf of Needs approach 2.2 Insurers Types of information gathered Types of insurers Determining lump-sum needs Stock companies Planning for income needs Mutual companies 3.4 Business uses of life insurance Fraternal benefit societies Buy-sell funding Reciprocals Key person Lloyd's associations Executive bonuses Risk retention groups 3.5 Viatical settlements (Chapter 3916) Surplus lines Nature and purpose Authorized/admitted versus General rules unauthorized/nonadmitted insurers Viatical settlement broker authority and licensing Domestic, foreign and alien insurers (3916.02, .03) Financial solvency status (e.g., A.M. Best, Standard Definitions (3916.01) and Poor's, Moody's, NAIC) Viatical settlement broker (3916.01(N), .02, Marketing (distribution) systems .03. .04) 2.3 Agents and general rules of agency Viatical settlement provider (3916.01(P), .07) Insurer as principal Viatical settlement contract (3916.01(O)(I); Agent/insurer relationship 3916.08) Authority and powers of agents Viator (3916.01(R)) Express 3.6 Classes of life insurance policies Implied Group versus individual Apparent Ordinary versus industrial (home service) Responsibilities to the applicant/insured Permanent versus term 2.4 Contracts Participating versus nonparticipating Elements of a legal contract Fixed versus variable life insurance and annuities Offer and acceptance 3.7 Premiums Consideration Factors in premium determination Competent parties Mortality Legal purpose Interest Distinct characteristics of an insurance contract Expense Contract of adhesion Premium concepts Aleatory contract Net single premium Personal contract Gross annual premium Unilateral contract Premium payment mode Conditional contract 3.8 Agent responsibilities Legal interpretations affecting contracts Solicitation, sales presentations, and disclosure Ambiguities in a contract of adhesion requirements (3901-6-01, 03) Reasonable expectations Advertising Indemnity Life and Health Insurance Guaranty Association Utmost good faith (3956.06, .18; 3901-1-52) Representations/misrepresentations Backdating of policies (3915.13) Warranties Illustrations (3901-6-04) Concealment Policy summary (3901-6-03(D)(6)) Fraud Buyer's guide (3901-6-03(D)(1)) Waiver and estoppel Guaranty association disclaimer (3956.18; 3.0 Life Insurance Basics 18% 3901-1-52) 3.1 Insurable interest (3911.091, .11) Life insurance policy cost comparison methods 3.2 Personal uses of life insurance Replacement (3901-6-05) Survivor protection Use and disclosure of insurance information Estate creation Field underwriting Cash accumulation Notice of information practices Liquidity Application procedures

26 Delivery Prohibited provisions (3915.09) Policy review Modifications (3915.12) Effective date of coverage 5.2 Beneficiaries Premium collection Designation options Statement of good health Individuals 3.9 Individual underwriting by the insurer Classes Information sources and regulation Estates Application Minors Agent report Trusts Attending physician statement Divorced spouse (RL 5815.33) Investigative consumer (inspection) report Succession Medical Information Bureau (MIB) Revocable versus irrevocable Medical examinations and lab tests including Common disaster clause HIV (3901.46(B)(1)) Spendthrift clause Selection criteria 5.3 Settlement options Classification of risks Cash payment Preferred Interest only Standard Fixed-period installments Substandard Fixed-amount installments Declined Life income 4.0 Life Insurance Policies 10% Single life 4.1 Term life insurance Joint and survivor Level term 5.4 Nonforfeiture options Annual renewable term Cash surrender value Level premium term Extended term Decreasing term Reduced paid-up insurance 4.2 Whole life insurance 5.5 Policy loan and withdrawal options Continuous premium (straight life) Cash loans Limited payment Automatic premium loans Single premium Withdrawals or partial surrenders 4.3 Flexible premium policies 5.6 Dividend options Adjustable life Cash payment Universal life Reduction of premium payments 4.4 Specialized policies Accumulation at interest Joint life (first-to-die) One-year term option Survivorship life (second-to-die) Paid-up additions Juvenile life Paid-up insurance 4.5 Group life insurance 5.7 Disability riders Characteristics of group plans Waiver of premium Types of plan sponsors Waiver of cost of insurance Group underwriting requirements Disability income benefit Conversion to individual policy (3917.06(E–G)) Payor benefit life/disability (juvenile insurance) 4.6 Credit life insurance (individual versus group) 5.8 Living benefit provision/rider (3915.21–.24, 5.0 Life Insurance Policy Provisions, Options and 3923.44(K), (L); 3901-6-06) Riders 20% Accelerated benefit (terminal illness) 5.1 Standard provisions (3915.05) Long-term care Entire contract (C) 5.9 Riders covering additional insureds Right to examine (free look) Spouse/other-insured term rider Payment of premiums (A) Children's term rider Grace period (B) Family term rider Reinstatement (J) 5.10 Riders affecting the death benefit amount Misstatement of age (E) Accidental death Payment of claims (K) Guaranteed insurability Exclusions Cost of living Statements of the insured (D) Return of premium Incontestability ((C), 3911.07) 6.0 Annuities 14%

27 6.1 Annuity principles and concepts Corporate-owned Accumulation period versus annuity period 7.4 Taxation of individual retirement plans Owner, annuitant and beneficiary Traditional IRAs Insurance aspects of annuities Contributions and deductible amounts Suitability requirements (Rule 3901-6-13) Premature distributions (including taxation 6.2 Immediate versus deferred annuities issues) Single premium immediate annuities (SPIAs) Annuity phase benefit payments Deferred annuities Values included in the annuitant's estate Premium payment options Amounts received by beneficiary Nonforfeiture Roth IRAs Surrender charges Contributions and limits Death benefits Distributions 6.3 Annuity (benefit) payment options 7.5 Rollovers and transfers (IRAs and qualified Life contingency options plans) Pure life versus life with guaranteed minimum 7.6 Section 1035 exchanges Single life versus multiple life Annuities certain (types) 6.4 Fixed annuities Ohio Agent's Examination for Accident and General account assets Interest rate guarantees (minimum versus current) Health Insurance Level benefit payment amount Series 11-45 6.5 Specialty annuity products 100 questions – Two-hour time limit Equity indexed annuities Market value adjusted annuities 6.6 Uses of annuities Lump-sum settlements 1.0 Insurance Regulation 10% Qualified retirement plans 1.1 Licensing Group versus individual annuities Maintenance and duration (3905.06, .16; 3901-5- Personal uses 08; 3901-5-09) Individual retirement plans Requirements (3905.02, .04, .05, .051, .06; Tax-deferred growth 3901-5-08; 3901-5-09) Retirement income Resident/nonresident (3905.06, .07) Education funds Change in name, address, telephone number 6.7 Suitability (3901-6-13) (3905.061; 3905.071; 3901-5-09) 7.0 Federal Tax Considerations for Life Insurance Renewal/nonrenewal (3905.06; 3901-5-08) and Annuities 14% Temporary license (3905.09) 7.1 Taxation of personal life insurance Duty to report convictions and disciplinary Amounts available to policyowner actions in other states (3905.22) Cash value increases Assumed business names (3905.11) Dividends Continuing education including exemptions and Policy loans penalties (3905.481; 3901-5-01; 3901-5- Surrenders 05(D)) Amounts received by beneficiary Inactivity due to military service (3905.06(G); General rule and exceptions 3901-5-09) Settlement options Inactivity due to extenuating circumstances Values included in insured's estate (3905.06(G); 3901-5-09) 7.2 Modified endowment contracts (MECs) Disciplinary actions Modified endowment versus life insurance License denial, probation, suspension, Seven-pay test revocation, or refusal to issue or renew Distributions (3901.22(D)(1); 3905.14; 3901-5-12) 7.3 Taxation of non-qualified annuities Penalties and fines for violations (3905.14(D), Individually-owned (H), .99) Accumulation phase (tax issues related to Cease and desist orders (3901.221; withdrawals) 3905.14(G); 3901.22(D)) Annuity phase and the exclusion ratio Civil Distributions at death Criminal

28 Hearings (3901.22; 3905.14(C); ORC 119; Other federal regulations (e.g., Do Not Call List) 3901.321) (https://www.donotcall.gov/) Consent agreements 2.0 General Insurance 10% 1.2 State regulation 2.1 Concepts Acts constituting insurance transactions (3901.17; Risk management key terms 3905.02; 3905.42) Risk Negotiate, sell solicit (3905.01, .02) Exposure Director's general duties and powers (3901.011, .04, Hazard .041; 3905.12) Peril Company regulation Loss Certificate of authority (3907.08; 3909.01, .08) Methods of handling risk Insolvency (3903.01(N)) Avoidance Policy forms/rates/exceptions (3915.051; Retention 3918.08; 3935.04; 3937.03) Sharing Financial requirements (3901-1-50; 3901-3-04; Reduction 3907.05) Transfer Unfair claims settlement practices (3901.19-- Elements of insurable risks .26; 3901-1-07; 3901-1-54) Adverse selection Agent regulation Law of large numbers Commissions, compensations, fees (3905.18; Reinsurance 3905.181; 3901-5-09(N); 3905.55) Indemnity/pay on behalf of Reporting of felony and crimes of moral 2.2 Insurers turpitude (3905.14, .22) Types of insurers Policy/application signature (3905.14(B)(11)) Stock companies Appointment procedures Mutual companies Agent appointment (3905.20; 3901-1-10; 3901- Fraternal benefit societies 5-09(K)) Reciprocals Cancellation of appointment (3905.16(B)(1)) Lloyd's associations Termination notification (3905.21) Risk retention groups Unfair insurance trade practices (3901.20, .21) Surplus lines Rebating (3911.20; 3933.01; 3999.05) Authorized/admitted versus Premium refunds (3905.14(B)(32); 3999.05; unauthorized/nonadmitted insurers Bulletin 2009-13) Domestic, foreign and alien insurers False advertising (3901.21(B), (D), .24; Financial solvency status (e.g., AM Best, Standard 3905.43; 3999.10, .11) snd Poor's, Moody's, NAIC) Misrepresentation (3901.21(A),(B); Marketing (distribution) systems 3905.14(B)(5); 3999.08) 2.3 Agents and general rules of agency Defamation of insurer (3901.21(C); 3999.09) Insurer as principal Unfair discrimination (3901.21(L), (M); Agent/insurer relationship 3911.16--.19) Authority and powers of agents Illegal inducements (3933.01; 3999.05; Express 3901.21(G); 3911.20; Bulletin 2009-13) Implied General grounds for disciplinary action Apparent (3905.14(B)) Responsibilities to the applicant/insured Examination of books and records (3901.04, .07) 2.4 Contracts Insurance fraud regulation (3999.31, .37; ORC Elements of a legal contract 2913.47; 3901.44) Offer and acceptance Insurance information privacy (3901.44; 3904.04- Consideration 3904.14; 3905.24; 3904.13) Competent parties Consumer information/fees (3905.55; 3901-6-04; Legal purpose 3905.181) Distinct characteristics of an insurance contract 1.3 Federal regulation Contract of adhesion Fair Credit Reporting Act (15 USC 1681–1681d) Aleatory contract Fraud and false statements including 1033 waiver Personal contract (18 USC 1033, 1034) Unilateral contract Conditional contract

29 Legal interpretations affecting contracts Health insurance association/fund Ambiguities in a contract of adhesion Common situations for omission/errors Reasonable expectations Field underwriting Indemnity Nature and purpose Utmost good faith Disclosure of information about individuals Representations/misrepresentations Application procedures Warranties Requirements at delivery of policy Concealment Employee waiver form Fraud 3.7 Individual underwriting by the insurer Waiver and estoppel Criteria 3.0 Accident and Health Insurance Basics 15% Unfair discrimination 3.1 Definition of perils Genetic testing (3901.49) Accidental injury Sources of underwriting information Sickness Application 3.2 Principal types of losses and benefits Agent report Loss of income from disability Attending physician statement Medical expense Investigative consumer (inspection) report Dental expense Medical Information Bureau (MIB) Vision expense Medical examinations and lab tests (including Long-term/home health care expense HIV consent) (3901.46(B)(1)) 3.3 Classes of health insurance policies Classification of risks Individual versus group Preferred Private versus government Standard Limited versus comprehensive Substandard Self-funded/ERISA Declined Employee association 3.8 Considerations in replacing accident and health 3.4 Limited policies insurance Limited perils and amounts Pre-existing conditions Required notice to insured Waiting period Types of limited policies State requirements Accident-only Benefits, limitations and exclusions Specified (dread) disease Proof/certificate of credible coverage Hospital indemnity (income) Underwriting requirements Credit disability Agent liability for errors and omissions Blanket insurance (teams, passengers, other) 4.0 Individual Accident and Health Insurance Policy Prescription drugs General Provisions 9% Vision care 4.1 Standard provisions (3923.04) Critical illness Entire contract; changes (A) Dental Time limit on certain defenses (B) Hearing Grace period (C) Medicare supplement (OAC 3901-8-08 Amended) Reinstatement (D) 3.5 Common exclusions from coverage Claim procedures (E--I) Intentionally self-inflicted injuries Physical examinations and autopsy (J) War or act of war Legal actions (K) Elective cosmetic surgery Change of beneficiary (L) Workers' compensation Cancellation by insured (M) Commission or attempt of a felony 4.2 Optional standard provisions (3923.05) State child health program Change of occupation (A) 3.6 Agent responsibilities in individual health Misstatement of age (B) insurance Other insurance in this insurer (C) Marketing requirements Insurance with other insurers Advertising Expense-incurred basis (D) Life and Health Insurance Guaranty Association Other than expense-incurred basis (E) (3956.06, 3956.18; 3901-1-52) Unpaid premium (G) Sales presentations Conformity with state statutes (H) Outline of coverage Illegal occupation (I)

30 Intoxicants and narcotics Occupational considerations 4.3 Other general provisions Benefit limits Right to examine (free look) (3923.31) Policy issuance alternatives Insuring clause 5.4 Group disability income insurance Consideration clause Group versus individual plans Subrogation Short-term disability (STD) Renewability clause Long-term disability (LTD) Noncancelable 5.5 Business disability insurance Guaranteed renewable Key person disability income Conditionally renewable Business overhead expense policy Renewable at option of insurer Disability buy-sell policy Nonrenewable (cancelable, term) Reducing term 5.0 Disability Income and Related Insurance 8% 5.6 Social Security disability 5.1 Qualifying for disability benefits Qualification for disability benefits Inability to perform duties Definition of disability Own occupation Waiting period Any occupation Disability income benefits Pure loss of income (income replacement contracts) 5.7 Workers compensation Presumptive disability Eligibility Requirement to be under physician care Benefits State minimum benefit standards and exclusions 6.0 Medical Plans 9% 5.2 Individual disability income insurance 6.1 Medical plan concepts Basic total disability plan Fee-for-service basis versus prepaid basis Income benefits (monthly indemnity) Specified coverages versus comprehensive care Elimination and benefit periods Benefit schedule versus usual/reasonable/customary Waiver of premium feature charges Coordination with social insurance and workers Any provider versus limited choice of providers compensation benefits Insureds versus subscribers/participants Additional monthly benefit (AMB) 6.2 Types of providers and plans Social insurance supplement (SIS) Major medical insurance (indemnity plans) Occupational versus nonoccupational coverage, Characteristics eligibility and benefits Common limitations At-work benefits Exclusions from coverage Partial disability benefit Provisions affecting cost to insured Residual disability benefit Health insuring corporations (HICs) (formerly Other provisions affecting income benefits known as health maintenance organizations) Cost of living adjustment (COLA) rider Preferred provider organizations (PPOs) Future increase option (FIO) rider General characteristics Relation of earnings to insurance (3923.05(F)) In and out of network Other cash benefits Types of parties to the provider contract Accidental death and dismemberment Point-of-service (POS) plans Rehabilitation benefit Nature and purpose Medical reimbursement benefit (nondisabling Out-of-network provider access injury) PCP referral (gatekeeper PPO) Benefit and refund provisions Indemnity plan features Return of premium Consumer Driven Plans Cost of living adjustment Ohio Children's Health Insurance Program (RL Future increase option 5160; 5161) Relation of earnings to insurance 6.3 Cost containment in health care delivery Loss-of-time benefit adjustment Cost-saving services Annual renewable term Preventive care Change of occupation Hospital outpatient benefits Cash surrender value Alternatives to hospital services Exclusions Utilization management reviews 5.3 Unique aspects of individual disability Prospective review underwriting Concurrent review

31 Retrospective Hospital services Grievance procedures Outpatient services 6.4 Ohio requirements (individual and group) Diagnostic services Eligibility requirements Supplemental health care services (RL 1751.01(B)) Dependent child coverage (3923.24, .56; RL Intermediate or long-term care facilities 1751.14; 3923.241) Dental care Newborn child coverage (3923.26; RL Vision care 1751.61) Podiatric care Coverage of adopted children (3923.40; Mental health services 3924.51; RL 1751.59) Alcohol and drug abuse treatment Enrollment Home health services Non-custodial parent Prescription drug services Grandchildren Nursing services Immunizations Physical therapy Physically/mentally handicapped coverage Chiropractic services Women's benefits 7.3 HIC certification and regulation (ORC 1751.31 Cytologic screening and mammography Amended by SB9) (3923.52; RL 1751.62) Solicitation documents (RL 1751.31) Infertility Advertising (RL 1751.20) Maternity Confidentiality of medical and health information Postpartum (RL 1751.52) Routine pap smears Open enrollment (RL 1751.15) Annual gynecological exams HIPAA federally eligible individual (FEI) 6.5 HIPAA (Health Insurance Portability and Non-FEI (RL 1751.15) Accountability Act) requirements Evidence of coverage and information to provide Eligibility subscribers (RL 1751.11, .33) Privacy Renewal (RL 1751.18) Guaranteed issue 7.4 Specialty HIC (RL 1751.01(C)) Pre-existing conditions Structure and providers Creditable coverage Contractual plan Renewability Evidence of coverage Mental health parity Benefits and exclusions Security provisions Open enrollment provision 6.6 Health Savings Accounts (HSAs) & Flexible Member rights (RL 1751.19(B)) Spending Accounts (FSAs) 8.0 Group Accident and Health Insurance 9% Definition 8.1 Characteristics of group insurance Eligibility Group contract Contribution limits Certificate of coverage 6.7 PPACA (Patient Protection and Affordable Care Experience rating versus community rating Act (Bulletin 10-01; Bulletin 2011-03) 8.2 Types of eligible groups Adverse benefit determination (Chapter 3922) Employment-related groups 7.0 Health Insuring Corporations (HICs) 6% Individual employer plans 7.1 General characteristics Multiple-Employer Trusts (METs) or Welfare Combined health care delivery and financing Arrangements (MEWAs) Limited service area Associations Limited choice of providers Risk pools Gatekeeper concept Blanket Copayments Students Prepaid basis Customer groups (depositors, creditor-debtor, other) 7.2 HIC services (1751.01) 8.3 Marketing considerations Basic health services (RL 1751.01(A)) Advertising Preventive care services Regulatory jurisdiction/place of delivery Primary care physician versus referral Disclosure form (specialty) physician 8.4 Employer group health insurance Emergency care Insurer underwriting criteria Urgent care Characteristics of group

32 Nondiscrimination Integrated deductibles versus stand-alone plans Plan design factors- Minimizing adverse selection contributary/noncontributary Stand-alone plans Persistency factors 10.0 Insurance for Senior Citizens and Special Needs Administrative capability Individuals 15% State requirements 10.1 Medicare Eligibility for coverage Nature, financing, administration and terminology Annual open enrollment Part A — Hospital Insurance Part-time employees Individual eligibility requirements Dependent, spousal eligibility Enrollment Domestic partners/civil unions Coverages and cost-sharing amounts Coordination of benefits provision Exclusions Change of insurance companies or loss of coverage Part B — Medical Insurance Coinsurance and deductible carryover Individual eligibility requirements No-loss no-gain Enrollment Events that terminate coverage Coverages and cost-sharing amounts Extension of benefits Exclusions Continuation of coverage under COBRA and Claims terminology and other key terms Ohio-specific rules (3923.38) Part C — Medicare Advantage Cancellation or nonrenewal Part D — Prescription Drug Insurance Reinstatement for military personnel 10.2 Medicare supplements (3901-4-01 Appendix D, 8.5 Small employer medical plans I; 3901-8-07, 08, Appendix C, D; 3923.33, .38, Definition of small employer (3924.01(N)) .41, .331–.336, .581; OAC 3901-8-08 Amended, Eligibility/availability of employees (3924.01(G)) Including Appendix C) Open/late enrollment (3924.01(I)) Purpose Pre-existing conditions (3924.03(L)) Open enrollment Waiting periods (3924.01(M)) Standardized Medicare supplement plans Guaranteed issue (3924.03(E)) Core benefits Renewability (3924.03(B)) Additional benefits Premium rates (3924.04) Ohio regulations and required provisions Disclosure rules (3924.033) Standards for marketing 9.0 Dental Care Plans 3% Advertising 9.1 Categories of dental treatment Appropriateness of recommended purchase and Diagnostic and preventive excessive insurance Restorative Outline of coverage Oral surgery Right to return (free look) Endodontics Replacement Periodontics Required disclosure provisions Prosthodontics Permitted compensation arrangements Orthodontics Notice of change 9.2 Indemnity plans Guaranteed issue Choice of providers Medicare SELECT Scheduled versus nonscheduled plans 10.3 Other options for individuals with Medicare Deductibles Employer group health plans Coinsurance Disabled employees Exclusions, limitations Employees with kidney failure Benefit categories Individuals age 65 and older Diagnostic/preventive services Medicaid Basic services Eligibility Major services Benefits Deductibles and coinsurance Differences Combination plans 10.4 Long-term care (LTC) policies (3901-4-01, 8- Exclusions 08; 3923.44; OAC 3901-8-08 Amended HB59; Limitations ORC 1751, 3901, 3923) Predetermination of benefits LTC, Medicare and Medicaid compared 9.3 Employer group dental expense Eligibility for benefits

33 Levels of care Ohio Agent's Examination for Property Skilled care Intermediate care Insurance Custodial care Series 11-46 Home health care 100 questions – Two-hour time limit Adult day care Respite care Assisted living Benefit periods 1.0 Insurance Regulation 10% Benefit amounts 1.1 Licensing Optional benefits Maintenance and duration (3905.06, .16; 3901-5- Guarantee of insurability 08; 3901-5-09) Return of premium Requirements (3905.02, .04, .05, .051, .06; Qualified LTC plans 3901-5-08; 3901-5-09) Exclusions Resident/nonresident (3905.06, .07) Underwriting considerations Change in name, address, telephone number Ohio regulations and required provisions (3905.061; 3905.071; 3901-5-09) Standards for marketing (3901-4-01(V)) Renewal/nonrenewal (3905.06; 3901-5-08) Advertising (3901-4-01 (U)) Temporary license (3905.09) Appropriateness of recommended purchase Duty to report convictions and disciplinary (3901-4-01 (W)) actions in other states (3905.22) Inflation protection (3901-4-01 (M)) Assumed business names (3905.11) Replacement (3901-4-01 (N)) Continuing education including exemptions and Unintentional lapse (3901-4-01(G)) penalties (3905.481; 3901-5-01; 3901-5- Outline of coverage (3901-4-01(DD); 05(D)) 3923.44(I)) Inactivity due to military service (3905.06(G); Shopper's guide (3901-4-01(EE)) 3901-5-09) Pre-existing conditions (3923.44(B)(4)) Inactivity due to extenuating circumstances 11.0 Federal Tax Considerations for Accident and (3905.06(G); 3901-5-09) Health Insurance 6% Disciplinary actions 11.1 Personally-owned health insurance License denial, probation, suspension, Disability income insurance revocation, or refusal to issue or renew Benefits subject to FICA (3901.22(D)(1); 3905.14; 3901-5-12) Medical expense insurance Penalties and fines for violations (3905.14(D), Long-term care insurance (H), .99) 11.2 Employer group health insurance Cease and desist orders (3901.221; 3905.14(G); Disability income (STD, LTD) 3901.22(D)) Benefits subject to FICA Civil Medical dental and vision expense Criminal Long-term care insurance Hearings (3901.22; 3905.14(C); ORC 119; Accidental death and dismemberment 3901.321) 11.3 Medical expense coverage for sole proprietors Consent agreements and partners 1.2 State regulation 11.4 Business disability insurance Acts constituting insurance transactions (3901.17; Key person disability income 3905.02; 3905.42) Buy-sell policy Negotiate, sell, solicit (3905.01, .02) 11.5 Medical Savings Accounts (MSAs) and Health Director's general duties and powers (3901.011, .04, Savings Accounts (HSAs) .041; 3905.12) 11.6 Health Reimbursement Accounts (HRAs) Company regulation Certificate of authority (3907.08; 3909.01, .08) Insolvency (3903.01(N)) Policy forms/rates/exceptions (3915.051; 3918.08; 3935.04; 3937.03) Financial requirements (3901-1-50; 3901-3-04; 3907.05)

34 Unfair claims settlement practices (3901.19-- Adverse selection .26; 3901-1-07; 3901-1-54) Law of large numbers Agent regulation Reinsurance Commissions, compensation, fees (3905.18; Indemnity/pay on behalf of 3905.181; 3901-5-09(N); 3905.55) 2.2 Insurers Reporting of felony and crimes of moral Types of insurers turpitude (3905.14, .22) Stock companies Policy/application signature (3905.14(B)(11)) Mutual companies Appointment procedures Fraternal benefit societies Agent appointment (3905.20; 3901-1-10; 3901- Reciprocals 5-09(K)) Lloyd's associations Cancellation of appointment (3905.16(B)(1)) Risk retention groups Termination notification (3905.21) Surplus lines Unfair insurance trade practices (3901.20, .21) Authorized/admitted versus Rebating (3911.20; 3933.01; 3999.05) unauthorized/nonadmitted insurers Premium refunds (3905.14(B)(32); 3999.05; Domestic, foreign and alien insurers Bulletin 2009-13) Financial solvency status (e.g., A.M. Best, Standard False advertising (3901.21(B), (D), .24; and Poor's, Moody's, NAIC) 3905.43; 3999.10, .11) Marketing (distribution) systems Misrepresentation (3901.21(A),(B); 2.3 Agents and general rules of agency 3905.14(B)(5); 3999.08) Insurer as principal Defamation of insurer (3901.21(C); 3999.09) Agent/insurer relationship Unfair discrimination (3901.21(L), (M); Authority and powers of agents 3911.16--.19) Express Illegal inducements (3933.01; 3999.05; Implied 3901.21(G); 3911.20; Bulletin 2009-13) Apparent General grounds for disciplinary action Responsibilities to the applicant/insured (3905.14(B)) 2.4 Contracts Examination of books and records (3901.04, .07) Elements of a legal contract Insurance fraud regulation (3999.31, .37; ORC Offer and acceptance 2913.47; 3901.44) Consideration Insurance information privacy (3901.44; 3904.04- Competent parties 3904.14; 3905.24; 3904.13) Legal purpose Consumer information/fees (3905.55; 3901-6-04; Distinct characteristics of an insurance contract 3905.181) Contract of adhesion 1.3 Federal regulation Aleatory contract Fair Credit Reporting Act (15 USC 1681–1681d) Personal contract Fraud and false statements including 1033 waiver Unilateral contract (18 USC 1033, 1034) Conditional contract Other federal regulations (e.g., Do Not Call List) Legal interpretations affecting contracts (https://www.donotcall.gov/) Ambiguities in a contract of adhesion 2.0 General Insurance 10% Reasonable expectations 2.1 Concepts Indemnity Risk management key terms Utmost good faith Risk Representations/misrepresentations Exposure Warranties Hazard Concealment Peril Fraud Loss Waiver and estoppel Methods of handling risk 3.0 Property Insurance Basics 20% Avoidance 3.1 Principles and concepts Retention Insurable interest Sharing Underwriting Reduction Credit scores Transfer Loss ratio Elements of insurable risks Rates

35 Types Assignment Loss costs Abandonment Components Policy provisions Negligence Liberalization Elements of a negligent act Subrogation Defenses against negligence Salvage Damages Claim settlement options Compensatory - special versus general and Duty to defend punitive Third-party provisions Types of liability Standard mortgage clause Absolute, strict, vicarious Loss payable clause Hazards No benefit to the bailee Physical Additional insured Moral 3.4 Ohio laws, regulations and required provisions Morale Ohio Valued Policy Law (3929.25) Causes of loss (perils) Ohio Insurance Guaranty Association (3955.01–.10, Consequential or indirect loss .12–.19-.30-.41) Named perils versus special (open) perils Cancellation and nonrenewal (3929.19–.22, .24; Direct loss 3937.25–.29, .31–.36; 3901-1-18(c)) Blanket versus specific insurance Controlled business (3905.14(B)(34)) Basic types of construction Retaliatory provisions and fees (3901.86; 3905.55) Loss valuation Concealment, misrepresentation or fraud (3999.31; Actual cash value 2913.47) Replacement cost Declination of insurance and unfair discrimination Functional replacement cost (3901.21(L), (M)) Market/agreed value Mine subsidence (3929.50–.53, .55, .56, .58–.61; Valued amount 3901-1-48) Stated amount Terrorism Risk Insurance Act of 2005, Extension 3.2 Policy structure Act of 2005, and Program Reauthorization Act of Declarations 2007 (15 UC 6701) Definitions Unfair Property/Casualty Claims Settlement Insuring agreement or clause Practices (3901-1-54; 3901-1-07) Additional/supplementary coverage 4.0 Dwelling ('02) Policy 14% Conditions 4.1 Characteristics and purpose Exclusions 4.2 Coverage forms — Perils insured against Endorsements Basic 3.3 Common policy provisions Broad Insureds — named, first named, additional Special Policy period 4.3 Property coverages Policy territory Coverage A — Dwelling Cancellation and nonrenewal Coverage B — Other structures Deductibles Coverage C — Personal property Other insurance Coverage D — Fair rental value Nonconcurrency Coverage E — Additional living expense Primary and excess Other coverages Pro rata and contributions by equal shares 4.4 General exclusions Limits of liability insurance 4.5 Conditions and definitions Per occurrence/accident 4.6 Selected endorsements Per person Special provisions — Ohio (DP 01 34) Aggregate Automatic increase in insurance (DP 04 11) Split Broad theft coverage (DP 04 72) Combined single Dwelling under construction (DP 11 43) Restoration/nonreduction of limits 4.7 Personal liability supplement Vacancy or unoccupancy 5.0 Homeowners ('11) Policy 18% Named insured provisions 5.1 Coverage forms Duties after loss HO-2 through HO-6

36 HO-8 Jewelers block 5.2 Definitions and eligibility Signs 5.3 Section I — Property coverages Valuable papers and records Coverage A — Dwelling Transportation coverages Coverage B — Other structures Common carrier cargo liability Coverage C — Personal property Motor truck cargo forms Coverage D — Loss of use Transit coverage forms Additional coverages 6.4 Equipment breakdown ('13) 5.4 Perils insured against Equipment breakdown protection coverage form 5.5 Exclusions (EB 00 20) 5.6 Conditions Selected endorsements 5.7 Selected endorsements Business income — Report of values (EB R Special provisions — Ohio (HO 01 34) 002) Limited fungi, wet or dry rot, or bacteria coverage Actual cash value (EB 99 59) (HO 04 26, HO 04 27) 6.5 Farm coverage Permitted incidental occupancies (HO 04 42) Farm property coverage forms ('03) Earthquake (HO 04 54) Coverage A — Dwellings Scheduled personal property (HO 04 61) Coverage B — Other private structures Personal property replacement cost (HO 04 90) Coverage C — Household personal property Home day care (HO 04 97) Coverage D — Loss of use 6.0 Commercial Package Policy (CPP) 16% Coverage E — Scheduled farm personal 6.1 Components of a commercial policy property Common policy declarations Coverage F — Unscheduled farm personal Common policy conditions property Interline endorsements Coverage G — Other farm structures One or more coverage parts Mobile agricultural machinery and equipment 6.2 Commercial property ('12) coverage form Definitions, conditions, exclusions Livestock coverage form Coverage forms Definitions Building and personal property Causes of loss (basic, broad and special) Condominium association Conditions Condominium commercial unit-owners Exclusions Builders risk Limits Business income Additional coverages Legal liability 7.0 Businessowners ('13) Policy — Property 6% Extra expense 7.1 Characteristics and purpose Causes of loss forms 7.2 Businessowners Section I — Property Basic Coverage Broad Exclusions Special Limits of insurance Selected endorsements Deductibles Ordinance or law (CP 04 05) Loss conditions Spoilage (CP 04 40) General conditions Peak season limit of insurance (CP 12 30) Optional coverages Value reporting form (CP 13 10) Definitions 6.3 Commercial inland marine 7.3 Businessowners Section III — Common Policy Nationwide marine definition Conditions Commercial inland marine conditions form 7.4 Selected endorsements Inland marine coverage forms Protective safeguards (BP 04 30) Accounts receivable Utility services — direct damage (BP 04 56) Bailee's customer Utility services — time element (BP 04 57) Commercial articles 8.0 Other Coverages and Options 6% Contractors equipment floater 8.1 Aviation insurance Electronic data processing Hull, cargo, freight Equipment dealers Implied warranties Installation floater Perils

37 General and particular average Disciplinary actions 8.2 Ocean marine insurance License denial, probation, suspension, Major coverages revocation, or refusal to issue or renew Hull insurance (3901.22(D)(1); 3905.14; 3901-5-12) Cargo insurance Penalties and fines for violations (3905.14(D), Freight insurance (H), .99) Protection and indemnity Cease and desist orders (3901.221; Implied warranties 3905.14(G); 3901.22(D)) Perils Civil General and particular average Criminal 8.3 National Flood Insurance Program Hearings (3901.22; 3905.14(C); ORC 119; "Write your own" versus government 3901.321) Eligibility Consent agreements Coverage 1.2 State regulation Limits Acts constituting insurance transactions (3901.17; Deductibles 3905.02; 3905.42) 8.4 Other policies Negotiate, sell, solicit (3905.01, .02) Boatowners Director's general duties and powers (3901.011, .04, Personal watercraft .041; 3905.12) Recreational vehicles Company regulation Difference in conditions Certificate of authority (3907.08; 3909.01, .08) 8.5 Residual markets Insolvency (3903.01(N)) Commercial Insurance Joint Underwriting Policy forms/rates/exceptions (3915.051; Association (3930.01–.18) 3918.08; 3935.04; 3937.03) FAIR plans (3929.41–.49; 3901-1-18) Financial requirements (3901-1-50; 3901-3-04; 3907.05) Unfair claims settlement practices (3901.19-- Ohio Agent's Examination for Casualty .26; 3901-1-07; 3901-1-54) Agent regulation Insurance Commissions, compensations, fees (3905.18; Series 11-47 3905.181; 3901-5-09(N); 3905.55) 100 questions – Two-hour time limit Reporting of felony and crimes of moral turpitude (3905.14, .22) Policy/application signature (3905.14(B)(11)) Appointment procedures 1.0 Insurance Regulation 10% Agent appointment (3905.20; 3901-1-10; 3901- 1.1 Licensing 5-09(K)) Maintenance and duration (3905.06, .16; 3901-5- Cancellation of appointment (3905.16(B)(1)) 08; 3901-5-09) Termination notification (3905.21) Requirements (3905.02, .04, .05, .051, .06; Unfair insurance trade practices (3901.20, .21) 3901-5-08; 3901-5-09) Rebating (3911.20; 3933.01; 3999.05) Resident/nonresident (3905.06, .07) Premium refunds (3905.14(B)(32); 3999.05; Change in name, address, telephone number Bulletin 2009-13) (3905.061; 3905.071; 3901-5-09) False advertising (3901.21(B), (D), .24; Renewal/ nonrenewal (3905.06; 3901-5-08) 3905.43; 3999.10, .11) Temporary license (3905.09) Misrepresentation (3901.21(A),(B); Duty to report convictions and disciplinary 3905.14(B)(5); 3999.08) actions in other states (3905.22) Defamation of insurer (3901.21(C); 3999.09) Assumed business names (3905.11) Unfair discrimination (3901.21(L), (M); Continuing education including exemptions and 3911.16--.19) penalties (3905.481; 3901-5-01; 3901-5- Illegal inducements (3933.01; 3999.05; 05(D)) 3901.21(G); 9311.20; Bulletin 2009-13) Inactivity due to military service (3905.06(G); General grounds for disciplinary action 3901-5-09) (3905.14(B)) Inactivity due to extenuating circumstances Examination of books and records (3901.04, .07) (3905.06(G); 3901-5-09)

38 Insurance fraud regulation (3999.31, .37; ORC Offer and acceptance 2913.47; 3901.44) Consideration Insurance information privacy (3901.44; 3904.04- Competent parties 3904.14; 3905.24; 3904.13) Legal purpose Consumer information/fees (3905.55; 3901-6-04; Distinct characteristics of an insurance contract 3905.181) Contract of adhesion 1.3 Federal regulation Aleatory contract Fair Credit Reporting Act (15 USC 1681–1681d) Personal contract Fraud and false statements including 1033 waiver Unilateral contract (18 USC 1033, 1034) Conditional contract Other federal regulations (e.g., Do Not Call List) Legal interpretations affecting contracts (https://www.donotcall.gov/) Ambiguities in a contract of adhesion 2.0 General Insurance 10% Reasonable expectations 2.1 Concepts Indemnity Risk management key terms Utmost good faith Risk Representations/misrepresentations Exposure Warranties Hazard Concealment Peril Fraud Loss Waiver and estoppel Methods of handling risk 3.0 Casualty Insurance Basics 15% Avoidance 3.1 Principles and concepts Retention Insurable interest Sharing Underwriting Reduction Credit scores Transfer Loss ratio Elements of insurable risks Rates Adverse selection Types Law of large numbers Loss costs Reinsurance Components Indemnity/pay on behalf of Hazards 2.2 Insurers Physical Types of insurers Moral Stock companies Morale Mutual companies Negligence Fraternal benefit societies Elements of a negligent act Reciprocals Defenses against negligence Lloyd's associations Damages Risk retention groups Compensatory — special versus general Surplus lines Punitive Authorized/admitted versus Absolute liability unauthorized/nonadmitted insurers Strict liability Domestic, foreign and alien insurers Vicarious liability Financial solvency status (e.g., A.M. Best, Standard 3.2 Policy structure and Poor's, Moody's, NAIC) Declarations Marketing (distribution) systems Definitions 2.3 Agents and general rules of agency Insuring agreement or clause Insurer as principal Additional/supplementary coverage Agent/insurer relationship Conditions Authority and powers of agents Exclusions Express Endorsements Implied 3.3 Common policy provisions Apparent Insureds — named, first named, additional Responsibilities to the applicant/insured Policy period 2.4 Contracts Policy territory Elements of a legal contract Cancellation and nonrenewal

39 Deductibles Home day care (HO 04 97) Coinsurance Business pursuits (HO 24 71) Other insurance Watercraft (HO 24 75) Nonconcurrency Personal injury (HO 24 82) Primary and excess 5.0 Auto Insurance 17% Pro rata 5.1 Laws Contribution by equal shares Ohio Motor Vehicle Financial Responsibility Law Limits of liability (4509.01–.81) Per occurrence (accident) Required limits of liability (4509.51) Per person Uninsured/underinsured motorist Aggregate — general versus products — Definitions (3937.18(A)(B),(C)) completed operations Bodily injury (3937.18(B),(C)) Split Property damage (3937.181) Combined single Stacked and non-stacked (3937.18(F)(G)) Named insured provisions Required limits Duties after loss Cancellation/nonrenewal (3937.30–.41, .46) Assignment Grounds Abandonment Notice Policy provisions Prohibition against use of intrafamily liability Liberalization exclusion (3937.46) Subrogation 5.2 Personal ('05) auto policy Duty to defend Eligibility, definitions, and conditions Claim settlement options Liability coverages Replacement cost vs. actual cash value Combined single limits vs. split limits 3.4 Ohio laws, regulations and required provisions Bodily injury and property damage Ohio Insurance Guaranty Association (3955.01–.10, Supplementary payments .12–.19) Exclusions Cancellation and nonrenewal (3937.25–.41) Medical payments coverage Binders (4509.56; 3901-1-18) Uninsured motorist coverage Controlled business (3905.14(B)(41)) Bodily injury Retaliatory Provisions and fees (3901.86; 3905.55) Property damage Concealment, misrepresentation or fraud (3999.31; Required limits 2913.47) Coverage for damage to your auto Declination of insurance and unfair discrimination Collision (3901.21(L), (M)) Other than collision Terrorism Risk Insurance Act of 2005, Extension Deductibles Act of 2005, and Program Reauthorization Act of Transportation expenses 2007 (15 UC 6701) Exclusions Unfair Property/Casualty Claims Settlement Substitute transportation Practices (3901-1-54; 3901-1-07) Towing and labor (PP 03 03) 4.0 Homeowners ('11) Policy 15% Duties after an accident or loss 4.1 Coverage forms General provisions HO-2 through HO-6 Selected endorsements HO-8 Amendment of policy provisions — Ohio (PP 4.2 Definitions and eligibility 01 86) 4.3 Section II — Liability coverages Extended non-owned coverage (PP 03 06) Coverage E — Personal liability Miscellaneous type vehicle (PP 03 23) Coverage F — Medical payments to others Joint ownership coverage (PP 03 34) Additional coverages 5.3 Commercial auto ('13) 4.4 Exclusions Eligibility 4.5 Conditions Definitions, conditions, exclusions 4.6 Selected endorsements Commercial auto coverage forms Special provisions — Ohio (HO 01 34) Business auto Limited fungi, wet or dry rot, or bacteria coverage Garage (HO 04 26, HO 04 27) Business auto physical damage Permitted incidental occupancies (HO 04 42) Truckers

40 Motor carrier Commercial crime coverage forms Coverage form sections (discovery/loss sustained) Symbols/covered autos Government crime coverage forms Liability coverage (discovery/loss sustained) Garagekeepers coverage Coverages Trailer interchange coverage Employee theft Physical damage coverage Forgery or alteration Selected endorsements Inside the premises — theft of money and Lessor — Additional insured and loss payee securities (CA 20 01) Inside the premises — robbery or safe burglary Mobile equipment (CA 20 15) of other property Auto medical payments coverage (CA 99 03) Outside the premises Drive other car coverage (CA 99 10) Computer fraud Individual named insured (CA 99 17) Funds transfer fraud Commercial carrier regulations Money orders and counterfeit money The Motor Carrier Act of 1980 Other crime coverage Endorsement for motor carrier policies of Extortion — commercial entities (CR 04 03) insurance for public liability (MCS-90) Lessees of safe deposit boxes 6.0 Commercial Package Policy (CPP) 13% Securities deposited with others 6.1 Components of a commercial policy Guest property Common policy declarations Safe depository Common policy conditions 6.4 Farm coverage Interline endorsements Eligibility One or more coverage parts Definitions, conditions, exclusions 6.2 Commercial general liability ('13) Farm liability coverage forms ('06) Commercial general liability coverage forms Coverage H — Bodily injury and property Bodily injury and property damage liability damage liability Personal and advertising injury liability Coverage I — Personal and advertising injury Medical payments liability Supplementary payments Coverage J — Medical payments Fire legal liability Exclusions Limits of insurance Additional coverages Definitions, conditions, exclusions Limits of insurance Coverage features Basic, broad, special Per occurrence/aggregate Causes of loss Occurrence versus claims-made 7.0 Businessowners ('13) Policy — Liability 6% Premises and operations 7.1 Characteristics and purpose Insured contract 7.2 Businessowners Section II — Liability Contingent liability Eligibility Claims-made features Definitions Trigger Coverages Retroactive date Exclusions Extended reporting periods Limits of insurance Claim information General conditions Products and completed operations 7.3 Businessowners Section III — Common Policy Pollution liability Conditions Coverage form 7.4 Selected endorsements Limited coverage form Hired auto and non-owned auto liability (BP 04 04) Extension endorsement Protective safeguards 6.3 Commercial crime ('13) Utility services-direct damage and time element General definitions (BP 04 56; BP 04 57) Burglary 8.0 Workers Compensation Insurance 8% Theft 8.1 Workers compensation laws Robbery Types of laws Crime coverage forms Compulsory versus elective (4123.12, .35, .54) Monopolistic versus competitive

41 Ohio Workers Compensation Law (Chapter 4123) Aircraft liability Exclusive remedy (4123.54) Hull, cargo, freight Employment required (required, voluntary, Aircraft liability, implied warranties, perils elective) (4123.01, .28, .54) General and particular average Covered injuries (4123.54, .55, .84) 9.6 Ocean marine insurance Occupational disease (4123.01(F)) Policy provisions Benefits provided (4123.30, .54, .55–.59, .60– Protection and indemnity .61, .66) Implied warranties Second/subsequent injury fund Perils Federal workers compensation laws General and particular average U.S. Longshore and Harbor Workers Coverage forms Compensation Act (33 USC 904) Floaters - e.g., personal articles, jewelry, and Federal Employers Liability Act effects, fine arts, camera, musical instruments Workers' Compensation Act 9.7 Other policies The Jones Act (46 USC 688) Boatowners 8.2 Workers compensation and employer liability Personal watercraft insurance policy Recreational vehicles General section Types of flood insurance (e.g., "write your own", Part One — Workers compensation insurance government) Part Two — Employers liability insurance Flood insurance provisions Part Three — Other states insurance Eligibility, coverage, limits, deductible Part Four - Your duty if injury occurs 9.8 Residual markets Part Five - Premium Ohio Automobile Insurance Plan (4509.70) Part Six - Conditions Voluntary compensation endorsement Foreign coverage All states Rating factor Job classification Payroll Experience modification factor Premium discounts Participation plans 9.0 Other Coverages and Options 6% 9.1 Umbrella/excess liability policies Personal (DL 98 01) Commercial (CU 00 01) 9.2 Specialty liability insurance Professional liability Errors and omissions Directors and officers liability Fiduciary liability Liquor liability Employment practices liability Employee benefits Identity fraud expense coverage 9.3 Surplus lines Eligibility Definitions and non-admitted markets Licensing requirements 9.4 Surety bonds Principal, obligee, surety Contract bonds License and permit bonds Judicial bonds 9.5 Aviation insurance

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