O K L A H O M A I N S U R A N C E D E P A R T M E N T 1 A Message from the Oklahoma Insurance Department Overview of Licensing Process Introduction
The Oklahoma Insurance Department (OID) is responsible for enforcing the insurance-related laws of the state. We protect consumers by providing accurate,.
O K L A H O M A I N S U R A N C E D E P A R T M E N T 2 6. Apply for your license. Oklahoma requires insurance professionals to hold an active license prior to
Oklahoma Insurance Department Licensing Information Handbook July 1, 2019 Register online at www.prometric.com/Oklahoma/insurance Published by Prometric Providing License Examinations for the State of Oklahoma Copyright 2018 Prometric LLC REVISED 04302019 OKLAHOMA INSURANCE DEPARTMENT Introduction 1 A Message from the Oklahoma Insurance Department ................................................. 1 Overview of Licensing Process ....................... 1 Oklahoma Licensing Requirements 4 License Requirements and Eligibility...............4 Prelicensing Education Completion Certificate .............................................. .....6 Scheduling Your Exam 7 Scheduling Information 7 Reschedule and Cancellation ................... .... .7 If absent or late.......................................... 7 Test Centers.............................................. .7 Oklahoma................................................... 7 Test Centers................................................7 Holidays ................................................ ......8 Emergency Closings................................ ......8 Testing Accommodations................................9 Preparing for Your Exam 11 Study Materials ............................................ 11 Practice Exams ............................................. 11 Taking Your Exam 13 Testing Process............................................. 14 Question Types .......................................... 15 Unscored Items Exam Results...................... 16 Appeals Process ......................................... 16 Licensing Steps 17 Applying for Your License ............................ 18 Exam Content Outlines 19 Title Producer or CSR ................................. 19 Aircraft TitleProducer.............................................. 19 Bail Bondsman ........................................... 20 Property and Casualty-Adjuster .................. 20 Contents Casualty- Adjuster...................................... 21 Crop and Hail-Adjuster................................ 22 Property-Adjuster ....................................... 22 Workers Compensation-Adjuster ................. 23 Life- Producer or CSR ................................. 24 Accident & Health or Sickness- .................... 24 Producer or CSR ......................................... 24 Life, Accident & Health or Sickness Combined Exam- Producer or CSR ............... 25 Property & Casualty Personal Lines OnlyProducer or CSR ...............................................26 Property & Casualty Combined ExamProducer or CSR ........................................ 28 Casualty- Producer or CSR .......................... 29 Property- Producer or CSR .......................... 30 Exam Registration Form 32 Credit Card Payment Form 33 i OKLAHOMA INSURANCE DEPARTMENT Introduction A Message from the Oklahoma Insurance Department The Oklahoma Insurance Department (OID) is responsible for enforcing the insurance-related laws of the state. We protect consumers by providing accurate, timely and informative insurance information. We promote a competitive marketplace and ensure solvency of the entities we regulate. We also regulate, license and educate insurance producers, adjusters, funeral home directors, bail bondsmen and real estate appraisers. OID has partnered with Prometric to develop, evaluate, maintain and revise insurance-related examinations for individuals seeking to obtain various insurance licenses in Oklahoma. Mission Statement To protect and enhance the financial security of Oklahoma and Oklahomans. Oklahoma Insurance Department Vision Our authoritative, efficient and professional staff will be the best at delivering responsive and innovative services to the public. Overview of Licensing Process This handbook provides information about the examination and licensing process for obtaining a resident insurance license. You should read this Licensing Handbook, including the examination content outlines prior to taking an exam. Licensing Process Follow these main steps if you are interested in obtaining an insurance license. 1. Read this handbook to learn about examination and licensing requirements. 2. Bail Bond only - Complete required 16 hours prelicensing education to become eligible to take the required examination. Applicants must present the two prelicensing certificates at the test site: BCE3 signed by the applicant and BCE4 signed by an officer of the Oklahoma Bondsman Association. Oklahoma requires that all Bail Bond candidates undergo a national criminal history record check as defined by 74 O.S. § 150.9, which will be handled by the Oklahoma Insurance Department. Refer to the OID Bail Bond webpage www.bailbonds.oid.ok.gov for instructions. 3. Schedule your exam. The easiest way to schedule is online at www.prometric.com/Oklahoma/insurance 4. Review the examination content outlines which can be found at the end of this document. The content outlines in this guide are the basis for the exams. 5. Present two forms of non-expired ID (Primary ID must be an official, nonexpired government-issued ID bearing both a signature and photo. Secondary ID must be imprinted with the candidate's name and must bear the candidates signature) and any required pre- license certificates or documentation required for line of authority to the test center. Certificates are only required for Bail Bondsman Exams, in addition to signed BCE3 and BCE4. 1 OKLAHOMA INSURANCE DEPARTMENT 6. Apply for your license. Oklahoma requires insurance professionals to hold an active license prior to working in the industry. Passing the exam(s) is the first step to becoming licensed. You may not work until you have submitted an online application and the license has been issued. Refer to Applying for Your License on page 17 of this publication or access the OID webpage www.licensing.oid.ok.gov or www.bailbonds.oid.ok.gov for instructions. 2 OKLAHOMA INSURANCE DEPARTMENT To get answers that may not be provided in this handbook Visit our Website: www.prometric.com/oklahoma/insurance QUESTIONS ABOUT EXAMINATIONS Prometric www.prometric.com/oklahoma/insurance Phone: (888) 597-8223 Fax: (800) 347-9242 TDD User: (800) 790-3926 PRODUCER/ADJUSTER LICENSING INFORMATION Oklahoma Insurance Department 3625 NW 56th Street, Ste 100 Oklahoma City, OK 73112 Phone: (405) 521-3916 Email: licensing@oid.ok.gov Website: www.licensing.oid.ok.gov BAIL BOND LICENSING INFORMATION Oklahoma Insurance Department 3625 NW 56th Street, Ste 100 Oklahoma City, OK 73112 Phone: (405) 521-6610 Email: bail.licensing@oid.ok.gov Website: www.bailbonds.oid.ok.gov 3 OKLAHOMA INSURANCE DEPARTMENT Oklahoma Licensing Requirements This section describes: The types of licenses that require prelicensing and/or an exam and their requirements. Prelicensing education requirements and exemptions. For information on licensure, please contact: Oklahoma Insurance Department Five Corporate Plaza 3625 NW 56th Street, Suite 100 Oklahoma City, OK 73112 (405) 521-3916 (800) 522-0071 (in-state only) www.oid.ok.gov License Requirements and Eligibility Candidates for an insurance professional examination must be at least eighteen (18) years old, and must be citizens of the United States (or must possess a valid visa or I-94 card). Note: Bail Bondsman candidates for a Bail Bond examination must be at least twenty-one (21) years old and must have a High School Diploma or GED. Bail Bondsman are required to complete 16 hours of prelicensing education prior to being eligible to take the examination. Candidates must present the two prelicensing certificates at the test site: BCE3 signed by the candidate and BCE4 signed by an officer of the Oklahoma Bondsman Association. Oklahoma requires that all Bail Bondsman candidates undergo a background check, which will be handled by the Oklahoma Insurance Department. 4 OKLAHOMA INSURANCE DEPARTMENT The OID requires examinations for the license types and lines of authority listed below. Each license granted is valid only for the line of authority named on the license. The basic requirements for each type of license are shown in this chart. License Type Producer/CSR Lines of Authority Life/Accident & Health or Sickness Life Accident & Health or Sickness Property & Casualty Property & Casualty Personal Lines Only Prelicensing Education Fingerprint-Criminal Required* Background Check NONE NONE Adjuster Title Aircraft Title Property Casualty Property and Casualty Property Crop & Hail Workers' Compensation Casualty NONE NONE Bail Bond Bail Bondsman 16 hours of prelicensing education. Candidates must present the two prelicensing certificates at the test site: BCE3 signed by the applicant and BCE4 signed by an officer of the Oklahoma Bondsman Association. Background investigation conducted by the Oklahoma Insurance Department. OSBI and FBI criminal history check. 5 OKLAHOMA INSURANCE DEPARTMENT Bail Bond Applicants The prelicensing education is not a preparatory course for passing the examination. You must successfully complete the prelicensing education requirement and pass the corresponding prelicensing proctored exam. Per 59 § 1308.1.B Prelicensing courses offered by the Oklahoma Bondsman Association. License Type Required Education (classroom & self-study) Bail Bond Classroom Additional Self-Study Requirements Prelicensing education Prelicensing Education Completion Certificate You must present a certificate of completion of the required prelicensing education to the test center in order to test, if required. Failure to do so will cause you to be turned away and your fee will be forfeited. Certificates are valid for one (1) year from date of issuance. This certificate can be presented in the form of a faxed copy, electronic version, or paper copy only. Altered certificates will not be accepted. If you have not passed your exam and applied within the one year of completing your prelicensing education, you will be required to retake the prelicensing education course per OAC 365: 25-5-3. 6 OKLAHOMA INSURANCE DEPARTMENT Scheduling Your Exam Registering and Scheduling Information Online Prometric provides computerized testing through its multistate testing network. You may take the exam at any Prometric test center in the United States. Follow the instructions here to register and schedule an appointment. Please allow a 3 week window to find a seat for your exam. If you need a specific exam date, be sure to register early. Schedule online -- it saves time and it's easy! You can easily schedule your exam online at any time using our Internet Registration Service by going to: 1 www.prometric.com/oklahoma/insurance 2 Click on Create or Login to Your Account to register. 3 Click on Schedule Your Test and follow the prompts. ATTENTION CRITICAL DEMOGRAPHIC WARNING Failure to enter the correct demographic information will PREVENT you from applying for licensure. Mistakes are very costly and can take weeks for the correction to be fixed. Have your ID in hand to verify the correct data when you register for yoru exam. Contact Prometric directly for corrections. You may not apply for a license until the data is correct. You will need to supply: Name your FULL LEGAL NAME must match exactly as it appears on your government issued ID Date of Birth must match exactly as it appears on your government issued ID Social Security Number must match exactly as it appears on your SSN card 7 OKLAHOMA INSURANCE DEPARTMENT By fax or mail You may fax the completed Exam Registration Form found at the end of this handbook to Prometric at (800) 347-9242. You must also include the completed Credit Card Payment Form (Visa, MasterCard or American Express). The cardholder's signature must be on the form. OR You may mail the completed Exam Registration Form and the appropriate exam fee to the address on the form. When registering by mail, you may pay the exam fee by Visa, MasterCard or American Express. Personal checks and cash are not accepted. If paying by credit card, you must also include the completed Credit Card Payment Form (Visa, MasterCard or American Express). The cardholder's signature must be on the form. By phone If you are unable to schedule online, you may schedule the examination by calling 888-597-8223 between 8 a.m. and 9 p.m. (Eastern Time), Monday through Friday, and between 10 a.m. and 3 p.m. (Eastern Time), Saturday and Sunday. Please have your exam information and credit card information for payment available. Reschedule and Cancellation To reschedule your existing exam appointment, you must contact Prometric 24 hours prior to the exam appointment date in order to avoid forfeiting your exam fee. When rescheduling your exam, please reference your score report provided after you completed your exam in order to reschedule for the correct exam. To cancel your existing exam appointment, you must contact Prometric either through our toll-free number or by visiting www.prometric.com/Oklahoma/Insurance at 24 hours prior to your scheduled exam appointment in order to avoid forfeiting your original exam fee. After you cancel your exam, you must initiate a refund by going to https://fs6.formsite.com/Prometric/form33/index.html and completing the refund form Prometric will review refund requests and email decisions to you within 7-10 business days of receipt unless further research and/or documentation are required. Prometric reserves the right to request documentation to support any illness or emergency claim. Refund requests made via phone will not be accepted. If you change or cancel your appointment without proper notice, you will forfeit your examination fee(s). If absent or late for your appointment If you miss your appointment or arrive late and are not allowed to test, you will forfeit your exam fee(s). Test Centers You may take the exam at any Prometric test center in the United States. Test center locations are subject to change. Be sure to verify the address and directions to the test center before you leave for the exam. 8 OKLAHOMA INSURANCE DEPARTMENT Oklahoma Test Centers Test centers that might be most convenient in Oklahoma include: (For a list of ALL Prometric test sites, please visit www.prometric.com/oklahoma/insurance Oklahoma City 3545 NW 58th Street Oklahoma City, OK 73112 Test Sites Tulsa 3015 E. Skelly Drive Tulsa, OK 74105 Woodward Lawton 2315 Downs Avenue, Suite 350 1 SW 11th Street Woodward, OK 73801 Lawton, OK 73501 McAlester 104 S. 3rd Street McAlester, OK 74501 Holidays Testing generally does not occur on federal holidays. Additional state holidays may be observed in the state where you schedule the exam appointment. Emergency Closings Severe weather or an emergency could require canceling scheduled exams. If this occurs, Prometric will attempt to contact you by phone and email; however, you may check for testing site closures by checking our website at www.prometric.com/en-us/pages/siteclosure.aspx or calling Prometric at (866) 370-3411. If the site is closed, the exam will be rescheduled without a rescheduling fee. If a test center is open for testing and you choose not to appear for the appointment, you will forfeit the exam fee and must reschedule and pay another exam fee. Testing Accommodations ADA Accommodation. Reasonable testing accommodations are provided to allow candidates with documented disabilities recognized under the ADA an opportunity to demonstrate their skills and knowledge. Prometric makes every effort to provide reasonable testing accommodations that enable all test takers to take examinations. If you require testing accommodations under the Americans with Disabilities Act (ADA), please complete and submit a Testing Accommodation Request Form online at https://www.prometric.com/en-us/for- test-takers/prepare-fortest-day/pages/arrange-testing-accommodations.aspx, or contact Prometric at (888) 226-9406 to obtain an Accommodation Request Form. Professional documentation of the disability must be submitted with the Accommodation Request Form to aid Prometric in determining the appropriate testing accommodations. Thirty days' advance notice is required for all testing arrangements. There is no additional charge for these accommodations. ESL Accommodation. All examinations are given in English. If English is not 9 OKLAHOMA INSURANCE DEPARTMENT your primary language, you may qualify for additional time for the test by requesting an ESL Authorization from Prometric. To request an ESL authorization, please submit: A personal letter requesting the authorization; and A letter from the English instructor or sponsoring company (on company letterhead) certifying that English is not your primary language. 10 OKLAHOMA INSURANCE DEPARTMENT Please fax documents to 800.347.9242 and allow three (3) days for processing. If your request is approved, Prometric may extend the time limit on your examination to time-and-one-half or 150% of the normal time limit. Prometric will inform you by mail whether your request for accommodation is approved. You should not schedule your exam until you have received the confirmation email. Exams scheduled before the ESL request has been approved will not include extra time. 11 OKLAHOMA INSURANCE DEPARTMENT Preparing for Your Exam Study Materials Being well prepared can help you pass the exam and save time and possibly money spent retaking it. This section contains: Information about study materials. An overview of the exam content outlines. Practice Exams. The exam for each type of license consists of questions that test knowledge of topical areas listed in the content outline for that exam. An overview of each exam content outline appears at the end of this handbook. You can view a complete outline specific to your exam online at www.prometric.com/oklahoma/insurance Producer, CSR andAdjuster The producer and adjuster licensing exams are based on the latest version of the Kaplan Study Guides. You may order the study guides from the OID and selfstudy. Some applicants prefer to complete an exam preparation course which will include study material that may or may not be the Kaplan material available at the OID. Access the OID webpage at www.licensing.oid.ok.gov then click on LICENSE EXAM. Practice Exams To take a practice exam, select or copy link below to your browser: www.prometric.com/oklahoma/insurance While practice exams contain general, non-state specific insurance questions, they are created in the same format and use the same question types as the actual licensure exams. Practice exams are designed to help Note Do not schedule your exam until you are familiar with all subject areas in the applicable content outline. you become familiar with the computer-based testing process. During the practice exam, you will get immediate feedback to correct and incorrect responses, as well as overall feedback at the end of the session just as you would during the actual exam. Practice exams are available for: · (LIPA) Life Insurance Producer/Agent Practice Exam in English only · (HIPA) Health Insurance Producer/Agent Practice Exam in English only · (PIPA) Property & Casualty Insurance Producer Practice Exam in English only · There is no cost to take Prometric Practice Exams! 12 OKLAHOMA INSURANCE DEPARTMENT Note Practice examinations DO NOT contain live content. Successful passing of a practice examination does not guarantee the passing of your licensure examination. Practice exams are designed to help you become familiar with the computerbased testing process. 13 OKLAHOMA INSURANCE DEPARTMENT Testing Process Taking Your Exam Knowing what to expect when taking the exam may help you prepare for it. This section contains: An overview of the testing process. Regulations that will be enforced at the testing center. Information about the types of questions on the exam. A guide to understanding the exam results. Information about appeals. The exam will be administered by computer but you do not need any computer experience or typing skill to take the exam. Arrival. You should arrive at least 30 minutes before the scheduled exam appointment This allows time for you to sign in and for staff to verify your identification and complete all security checks. Bail Bond Prelicensing Education Certificate The licensing education certificate is required for Bail Bond as well as the completed BCE3 signed by the applicant and BCE4 signed by an officer of the Oklahoma Bondsman Association. Identification required. You must provide 2 forms of identification. Primary ID presented must be an official, non-expired government-issued ID bearing both a signature and photo. Secondary ID presented must be imprinted with the candidate's name and must bear the candidate's signature. Acceptable forms of Primary ID may include: Driver's license State or government-issued ID Passport Acceptable forms of Secondary ID may include: Credit card School ID All identification provided must match the name on the Examination Registration Form and your Registration Confirmation Notice. Important Failure to provide appropriate identification at the time of the exam is considered a missed appointment. As a result, you will be required to pay another full examination fee before making another appointment. If you cannot provide the identification listed above, contact Prometric before scheduling the appointment to arrange an alternative way to meet this requirement. 14 OKLAHOMA INSURANCE DEPARTMENT Test Center Regulations Copyrighted questions. All test questions are the property of Prometric and are protected by copyright. Federal law provides severe civil and criminal penalties for the unauthorized reproduction, distribution, or exhibition of copyrighted materials. 1 While in the test center, you will be continuously monitored by video. During your examination, you will also be monitored by physical walk-throughs and through an observation window. All testing sessions are video and audio recorded. 2 You must present valid (unexpired) and acceptable ID(s) in order to take your test. (See "Identification required" in the previous section.) 3 You will be scanned with a metal detector wand prior to every entry into the test room. If you refuse, you cannot test. 4 You will be required to raise your pants legs above your ankles, empty and turn all pockets inside-out and raise shirt sleeves above your wrists prior to every entry into the test room. 5 If you are wearing eyeglasses, you will be required to remove them for visual inspection to ensure they don't contain a recording device. Large jewelry items must be stored in your locker due to concerns over concealed recording devices. 6 You must sign the test center roster each time you leave the test room. You must also sign back in and show your ID to the Test Center Administrator (TCA) in order to re-enter the test room. 7 You are prohibited from communicating, publishing, reproducing, or transmitting any part of your test, in any form or by any means, verbal or written, for any purpose. 8 You must not talk to other candidates or refer to their screens, testing materials, or written notes in the test room. 9 You must not use written notes, published materials, or other testing aids. 10 You are allowed to bring soft ear plugs or center-supplied tissues into the test room. 11 Any clothing or jewelry items allowed to be worn in the test room must remain on your person at all times. Removed clothing or jewelry items must be stored in your locker. 12 You must not bring any personal/unauthorized items into the testing room. Such items include but are not limited to outerwear, hats, food, drinks, purses, briefcases, notebooks, pagers, watches, cellular telephones, recording devices, and photographic equipment. Weapons are not allowed at any Prometric test center. You will be asked to empty and turn your pockets inside out prior to every entry into the test room to confirm that you have no prohibited items. 13 You must return all materials issued to you by the test center administrator (TCA) at the end of your test. 14 You are not allowed to use any electronic device or phone during breaks. 15 If you have a medical condition that may require you to access food or medicine during your exam session, you must store those items separately from other items you place in the test center locker. You must inform the TCA before you retrieve the food or medicine, and the TCA will observe you obtaining the item from the locker. You are not allowed to access any item other than food or medicine needed for a medical reason. 16 You must conduct yourself in a civil manner at all times when on the premises of the test center. Exhibiting abusive behavior towards the TCA or any other staff member of the test center may result in examination disqualification and criminal prosecution. 15 OKLAHOMA INSURANCE DEPARTMENT Failure to follow any of these security procedures may result in the disqualification of the examination. Prometric reserves the right to audio and videotape any examination session. For more information on Prometric test center regulations, please visit: www.prometric.com/en-us/for-test-takers/prepare-for-testday/documents/TestCenterRegulations.pdf Please note: Test center administrators are not allowed to answer any questions pertaining to the exam content. If you do not understand a question on the examination, you should answer the question to the best of your ability. Question Types Question Formats Format 1--Direct question Format 2-- Incomplete sentence Format 3--All of the following except The examination contains four-option multiple-choice questions. These questions are designed to be as clear and concise as possible while testing knowledge and comprehension of insurance concepts as well as the application of the insurance concepts. The design of the exam ensures that those who possess the required knowledge of the specific insurance line of authority being tested should perform well on the examination for which they prepared. Three different multiple-choice formats are used. Each format is shown in the following examples. An asterisk (*) indicates the correct answer in each sample question. Which one of the following is a type of health insurance policy designed to replace the wages of an insured that is unable to work due to an accident or sickness? * 1. Disability Income Insurance Policy 2. Employer-Sponsored Group Major Medical Policy 3. Hospital Expense Insurance Policy 4. Special Risk Policy Benefits under workers' compensation insurance are payable: 1. For bodily injury that is accidental or intentional * 2. Regardless of the liability of the employer 3. Unless safety rules are violated 4. Up to a maximum of 30 percent of weekly wages A life insurance policy may include provisions that do all of the following EXCEPT: 1. Restrict coverage if death is caused by suicide 2. Require evidence of insurability to reinstate coverage * 3. Extend the contestable period beyond two years 4. Adjust proceeds if the insured's age is misstated on the application 16 OKLAHOMA INSURANCE DEPARTMENT Unscored Items The examination may include some unscored items If present, they are distributed throughout the examination and will not be identified as such. These are used to gather statistical information on the questions before they are added to the examination as scored items. These unscored items will not be counted for or against you in the final examination score. You will be helping us help future test takers by completing five (5) unscored items in your exam. We plan to use the unscored items on future exams based on your performance. The questions will: be randomly distributed within your test. will not be counted in your final score. time spent on the question will not be deducted from your test time. Exam Results Appeals Process At the end of the exam, you will see a completion notice on screen. A copy of your score report will be emailed to the email address you provided at the time of scheduling. The report indicates the overall score and grade, including the numerical percentage of questions answered correctly and whether you passed or failed. The report also displays the correct percentage in each major section of the exam, as defined by the exam content outline. These section scores are shown to guide you, or your employer and/or trainer, about areas requiring additional preparation for retesting if you do not pass the exam. Even after you pass, you may want to focus on these areas as you begin to provide insurance products and services to the public. Duplicate score reports, please use our electronic score report portal to download or print duplicate copies of your candidate score report when or as needed. Please visit https://scorereports.prometric.com. You will be required to enter the confirmation number of your exam and your last name to complete this task. Prometric's goal is to provide a quality examination and a pleasant testing experience for every candidate. If you would like to submit an appeal concerning examination content, registration, scheduling or test administration (testing site procedures, equipment, personnel, etc.), please submit an appeal by visiting www.prometric.com/contactus and clicking on "Request an Appeal." Once the form has been submitted, you will receive an email response within 20 days indicating whether your appeal has been approved. 17 OKLAHOMA INSURANCE DEPARTMENT Licensing Steps Approval of an application depends on the review and approval of all license application requirements. This section contains information about: Applying for your license. Application Questions. Applying for Your License Successful completion and passing the examination does not eliminate the requirement to APPLY for the license: You must apply and be issued an Oklahoma insurance license in order to sell, solicit, or negotiate (or adjust) insurance in the state of Oklahoma. Oklahoma uses NIPR database system for processing license applications. You can call NIPR 816.783.8500 should you need assistance with the online application. After you have passed your exam: 1. Wait 3 business days for your exam results to be transmitted to NIPR/SBS and the State. 2. Access OID webpage and submit your online application: · Submit your producer or adjuster application at www.licensing.oid.ok.gov then click on the blue NEW APPLICATION button. Follow the online instructions. · Submit your Bail bond application at www.bailbonds.oid.ok.gov and follow the instructions provided under Licensee Online Tools in the red box. We recommend that you bookmark our webpage so you can service your license after it has been issued. READ ALL OF THE INSTRUCTIONS ON THE APPLICATION WEBPAGE. INCOMPLETE APPLICATIONS WILL CAUSE DELAYS AND MAY BE REJECTED BY THE OID WITHOUT A REFUND. 3. Submitting an application does not mean that a license was approved or issued. You will be notified (at the contact email address entered on the application) when the application is approved or if the OID needs additional information. Producers/adjusters allow adequate time processing. Bail Bond applicants should allow 60 days for processing. 4. Access our webpage (see item #2) and view the online tools available to you. You can check the status of your license, print your license, learn about CE requirements and view our CE course catalog. You alone are responsible for maintaining your license and keeping your information current with the OID. Utilize these tools to expedite service and perform basic maintenance. Call or email the OID Licensing Division only if your answer has not been addressed on our webpage. 18 OKLAHOMA INSURANCE DEPARTMENT 5. Print your license. The OID is environmentally conscious and strives to maintain a paperless office. You will not receive a copy of your license from the OID, by mail. Please print a copy of your license using the tools available on our webpage. 6. Plan for the future. Everything needed to manage your new license is on the OID's webpage. Licensees must meet their CE requirement prior to submitting a renewal application to the OID. Remember, individuals can only work as an insurance professional if their license is in ACTIVE status. ATTENTION CRITICAL DEMOGRAPHIC WARNING Failure to enter the correct demographic information will PREVENT you from applying for licensure. Mistakes are very costly and can take weeks for the correction to be fixed. Have your ID in hand to verify the correct data when you register for your exam. Contact Prometric directly for corrections. You may not apply for a license until the data is correct. You will need to supply: Name your FULL LEGAL NAME must match exactly as it appears on your government issued ID Date of Birth must match exactly as it appears on your government issued ID Social Security Number must match exactly as it appears on your SSN card 19 OKLAHOMA INSURANCE DEPARTMENT Exam Content Outlines The following outlines give an overview of the content of each of the Oklahoma insurance examinations. Each examination will include questions on the subjects contained in the outline. The percentages indicate the relative weight assigned to each section of the examination. For example, 10 percent means that 10 questions will be drawn on a 100-question exam and 15 will be drawn on a 150-question exam. An outline that includes more descriptive subsections for your exam is available online at www.prometric.com/oklahoma/insurance Title- Producer or CSR 1911 35 questions (plus 5 unscored items) 1 -hour time limit Effective Date: July 1, 2019 CONTENT OUTLINE 1. State Insurance Statutes, Rules, and Regulations (9 Items) Payment or Acceptance of Commission 36 O.S. § 1435.14 Rebating 36 O.S. § 1204(8) Maintenance (including CE) 36 O.S. § 1435.29; Reg. 365: 25-3-1 Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Definitions and Statutory Requirements 36 O.S. § 5001 et seq; Reg. 365:25-3 Duly Certified Abstract Reg. 365:20-3-2 Countersigning of Policies Opinion of Title Preparation of Abstract Unfair Claims Settlement Practices Act 36 O.S. § Sec. 1250.4, 1250.6 Licensing 36 O.S. § Sec. 1435.7-.8, 1435.13, 1435.30 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Unfair Practices and Frauds 36 O.S. § 1201-1207 Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 2. Title Insurance Terms and Related Concepts (10 items) Commitment Policies Exceptions Requirements Endorsements Insurer/Underwriter Closing and Settlement Title Producer 36 O.S. § 1435.2(7); 1435.4 Search and Examination Premiums 3. Title Insurance Policies (8 Items) Types of Policies Owner's Loan Policy Provisions Insuring Clause Terms, Conditions, and Stipulations Characteristics of Title Insurance Single Premium Retrospective Coverage 4. Real Estate Ownership (2 Items) Joint Tenancy Tenants in Common Fee Simple Life Estate Leasehold 5. Rights and Interests (2 Items) Easement and Right of Way Voluntary and Involuntary Liens Covenants, Conditions, and Restrictions 6. Legal Descriptions (2 Items) Section, Township, and Range Metes and Bounds Subdivided Land 7. Methods of Transfer/Conveyances (2 Items) Warranty Deeds 20 Quit Claim Deeds Foreclosure Probate Tax Deeds Aircraft Title- Producer 1916 35 questions (plus 5 unscored items) 1 -hour time limit Effective Date: July 1, 2019 CONTENT OUTLINE 1. State Insurance Statutes, Rules, and Regulations (9 Items) Definitions 36 O.S. § 1435.2, 1435.7 Duly Certified Abstract Statutory Requirements 36 O.S. § 1250.6; Reg. 365: 20-3-2, 20-3-3 Countersigning of Policies Opinion of Title Preparation of Abstract Payment or Acceptance of Commission 36 O.S. § 1435.14 Rebating 36 O.S. § 1204(8) Examination of Books and Records 36 O.S. § 1435.13(E) Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1, 309.2, 1209, 1250.14, 1435.13 Maintenance (including CE) 36 O.S. § 1435.29; Reg. 365: 25-3-1 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Unfair Practices and Frauds 36 O.S. § 1201-1207 Policy document electronic delivery 36 O.S. § 123 OKLAHOMA INSURANCE DEPARTMENT Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 2. Conveyances (8 Items) 3. FAA Procedures with Respect to Conveyances (4 Items) 4. Registration of Aircraft (4 Items) 5. Cape Town Treaty (4 Items) 6. Governing Law (2 Items) 7. Money Laundering (2 Items) 8. Money Transmission (2 Items) Bail Bondsman 1917 100 questions (plus 5 unscored items) 2 -hour time limit Effective Date: July 1, 2019 CONTENT OUTLINE 1. Licensing (12 Items) Maintenance (including CE) 59 O.S. §1308, 59 O.S. § 1308.1; Reg. 365: 25-51 thru 9; Reg. 365:25-532 Disciplinary Actions 59 O.S. § 1310, 1311 Requirements and Prohibitions 59 O.S. § 1305, 1306, 1308, 1308.1, 1315 Type of Qualifications 59 O.S. § 1301(B), 1321 2. State Insurance Statutes, Rules, and Regulations (43 Items) Examination of Books and Records 59 O.S. § 1314(C);Reg. 365:25-5-37 Bondsman Statute and Regulation 59 O.S. § 1301 et seq; Reg. 365:25-5-1 et seq; Reg 365:1-9-18 Fraud and False Statements 59 O.S. § 1310(A)(3)(6) State Specific Definitions 59 O.S. § 1301(B); Reg. 365:25-5-2; Reg 365:25-5-30 Forfeitures 59 O.S. § 1332 Insurance Commissioner General Duties and Powers 59 O.S. § 1302 Surrender Prior to Breach 59 O.S. § 1327, 1328, 1329 Surrender After Forfeiture 59 O.S. § 1328, 1332(C) When is a Bond Perfected? 59 O.S. § 1301(B)(12); Reg. 365:35-5-30 Penalties versus Violations 59 O.S. § 1310(A)(B); Reg 365:25-5-45 May versus Shall 3. Trade Practices (25 Items) Appointment and Cancellation Prohibited Practices Solicitation Sharing Premium Recommending an Attorney Misappropriation or Conversion of Money or Property belonging to Co-Signor(s) Monthly Reports Licensee Responsibilities Fiduciary Responsibilities Travel Expenses/Fugitive Potential Liabilities Ongoing Liability after Cancellation 4. Definitions (20 Items) Forfeiture Misdemeanor/Felony Arraignment Preliminary Hearing Pleas Exoneration Extradition Power of Attorney Premium Appearance Bond Lines/Qualifications of Bondsman Indemnitor Collateral Remitter Property and Casualty- Adjuster 1930 85 questions (plus 5 unscored items) 2.25 -hour time limit Effective Date: July 1, 2019 CONTENT OUTLINE 1. Licensing (5 Items) Change of Address 36 O.S. § 6206 Disciplinary Actions 36 O.S. § 6219, 6220 Maintenance (including CE) 36 O.S. § 6217; 36 O.S. § 6205; Reg. 365: 25-3-14(a) 21 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24, 6206 Types of Licensees 36 O.S. § 6202, 6204.1, 6205, 6207, 6209 2. State Insurance Statutes, Rules, and Regulations (6 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 941, 943, 996.1, 3639, 3639.1; Reg. 365: 15-1-14 Insurance Commissioner General Duties and Powers 36 O.S. § 307, 307.1, 309.2, 361, 907, 1205, 1209, 6219, 6220 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 1250.2, 1250.6, 2003, 2004; 47 O.S. § 7-316, 324 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Public Adjuster's Additional Requirements 36 O.S. § 6214, 6218, 6216.2 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 3. State Automobile Insurance Laws (6 Items) Cancellation/Nonrenewal 36 O.S. § 941, 943, 3635.1; 47 O.S. § 7-316, 7-324 State Automobile Insurance Plans 36 O.S. § 996.1 State Required Minimum Limits of Liability 36 O.S. § 924.1, 941.2, 3635.1, 3636; 47 O.S. § 7324 Uninsured/Underinsured Motorist 36 O.S. § 3636, 3637 4. State Workers' Compensation (3 Items) 85A O.S. 2(9), 2(18)(b)(1) (2)(4)(7)&(11), 65(D)(1), 50(B), 45(A)(1), 47(C )(1)&(5), 45, 47 5. Personal and Commercial Property Policies (17 Items) OKLAHOMA INSURANCE DEPARTMENT Personal Lines Dwelling and Contents (DP Forms) Personal Liability Homeowners (HO Forms) Mobile Homes Inland Marine Personal Floaters Nationwide Definition Commercial Floaters Others Flood Personal Watercraft Earthquake Commercial Ocean Marine Commercial Lines Commercial Property Commercial Package Policy (CPP) Equipment Breakdown Coverage Form Businessowners Policy (BOP) 6. Insurance Terms and Related Concepts (13 Items) Insurance Insurable Interest Risk Hazard Peril Loss Proximate Cause Indemnity Limits of Liability Coinsurance/Insurance to Value Deductible Primary and Excess Coverage Contribution by equal shares 7. Commercial Casualty Policies, Bonds, and Related Terms (10 Items) Commercial General Liability Basic Hazards Commercial General Liability Coverage Forms Owners and Contractors Protective Liability Bonds Fidelity Surety Professional Liability Errors and Omissions Directors and Officers Umbrella/Excess Liability Negligence Workers' Compensation 8. Casualty Policy Provisions and Contract Law (5 Items) Definition of the Insured Duties of the Insured Cancellation and Nonrenewal Provisions Proof of Loss Notice of Claim Subrogation 9. Automobile Insurance (20 Items) Personal Automobile and Business Automobile Liability Medical Payments Physical Damage (Collision and Other Than Collision) Uninsured/Underinsured Motorist Who is an Insured? Types of Automobiles Owned Non-owned Hired Temporary Substitute Garage Coverage Form, including Garagekeepers Insurance Casualty- Adjuster 1931 35 questions (plus 5 unscored items) 1-hour time limit CONTENT OUTLINE 10. Licensing (5 Items) Change of Address 36 O.S. § 6206 Disciplinary Actions 36 O.S. § 6219, 6220 Maintenance (including CE) 36 O.S. § 6217; 36 O.S. § 6205; Reg. 365: 25-3-14(a) Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24, 6206 Types of Licensees 36 O.S. § 6202, 6204.1, 6205, 6207, 6209 11. State Insurance Statutes, Rules, and Regulations (6 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 941, 943, 996.1, 3639, 3639.1; Reg. 365: 15-1-14 Insurance Commissioner General Duties and Powers 36 O.S. § 307, 307.1, 309.2, 361, 907, 1205, 1209, 6219, 6220 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 1250.2, 1250.6, 2003, 2004; 47 O.S. § 7-316, 324 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Public Adjuster's Additional Requirements 36 O.S. § 6214, 6218, 6216.2 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 22 Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 12. State Automobile Insurance Laws (6 Items) Cancellation/Nonrenewal 36 O.S. § 941, 943, 3635.1; 47 O.S. § 7-316, 7-324 State Automobile Insurance Plans 36 O.S. § 996.1 State Required Minimum Limits of Liability 36 O.S. § 924.1, 941.2, 3635.1, 3636; 47 O.S. § 7324 Uninsured/Underinsured Motorist 36 O.S. § 3636, 3637 13. State Workers' Compensation (3 Items) 85A O.S. 2(9), 2(18)(b)(1) (2)(4)(7)&(11), 65(D)(1), 50(B), 45(A)(1), 47(C )(1)&(5), 45, 47 14. Personal and Commercial Property Policies (17 Items) Personal Lines Dwelling and Contents (DP Forms) Personal Liability Homeowners (HO Forms) Mobile Homes Inland Marine Personal Floaters Nationwide Definition Commercial Floaters Others Flood Personal Watercraft Earthquake Commercial Ocean Marine Commercial Lines Commercial Property Commercial Package Policy (CPP) Equipment Breakdown Coverage Form Businessowners Policy (BOP) 15. Insurance Terms and Related Concepts (13 Items) Insurance Insurable Interest Risk Hazard Peril Loss Proximate Cause Indemnity Limits of Liability Coinsurance/Insurance to Value Deductible Primary and Excess Coverage Contribution by equal shares OKLAHOMA INSURANCE DEPARTMENT 16. Commercial Casualty Policies, Bonds, and Related Terms (10 Items) Commercial General Liability Basic Hazards Commercial General Liability Coverage Forms Owners and Contractors Protective Liability Bonds Fidelity Surety Professional Liability Errors and Omissions Directors and Officers Umbrella/Excess Liability Negligence Workers' Compensation 17. Casualty Policy Provisions and Contract Law (5 Items) Definition of the Insured Duties of the Insured Cancellation and Nonrenewal Provisions Proof of Loss Notice of Claim Subrogation 18. Automobile Insurance (20 Items) Personal Automobile and Business Automobile Liability Medical Payments Physical Damage (Collision and Other Than Collision) Uninsured/Underinsured Motorist Who is an Insured? Types of Automobiles Owned Non-owned Hired Temporary Substitute Garage Coverage Form, including Garagekeepers Insurance Crop and Hail- Adjuster 1932 35 questions (plus 5 unscored items) 1-hour time limit CONTENT OUTLINE 1. Licensing (3 Items) Change of Address 36 O.S. § 6206 Disciplinary Actions 36 O.S. § 6219, 6220 Maintenance (including CE) 36 O.S. § 6217; 36 O.S. § 6205; Reg. 365: 25-314(a) Qualifications 36 O.S. § 36 O.S. § 401 - 406, 1435.7, 1435.24, 6206 Types of Licensees 36 O.S. § 6202, 6204.1, 6205, 6207, 6209, 6712(12) 2. State Insurance Statutes, Rules, and Regulations (6 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 941, 943, 996.1, 3639, 3639.1; Reg. 365: 15-1-14 Insurance Commissioner General Duties and Powers 36 O.S. § 307, 309.2, 361, 907, 1205, 1209, 6219, 6220 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 1250.2, 1250.6, 2003, 2004; 47 O.S. § 7-316, 324 Unfair Claims Settlement Practices Act 36 O.S. § 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 3. Crop-Hail Insurance (13 Items) Eligibility Insurable Interest Application Declarations Section Required Information Provision for Company Rejection Insurance Period Effective Date Expiration Cancellation Perils Insured Against Exclusions Limits of Coverage Insurable Value Percentage Plan Deductibles Reduction of Insurance Loss Payment Crop-Hail Other Provisions Replanting Clause Acreage Variation Transit Coverage Fire Department Service Charge Pro Rata Liability Clause Fire and Lightning Coverage Catastrophe Loss Award Assignment Claim Settlement Notice of Loss Insured's Duties after Loss 23 Appraisal/Arbitration Companion Plan Hail 4. Multiple Peril Crop Insurance (MPCI) (13 Items) Common Crop Provisions Eligibility Insureds Insurable Crops Special Provisions Yield Guarantee Actual Production History (APH) Assigned Yield Transitional Yield Coverage Level Group Risk Plan Units Production Reporting Acreage Reporting Insurance Period Continuous Cancellation Termination Multiple Peril Policy Provisions Price Election Optional Units High Risk Land Exclusion Hail/Fire Exclusion Replanting Provisions Late Planting Coverage Prevented Planting Coverage Transfer of Coverage Assignment of Indemnity Priorities of Conflicts between Provisions Duties After Loss Insured Insurer Covered Causes of Loss Administrative Fees Application Concealment, Misrepresentation, or Fraud Subrogation Property- Adjuster 1934 50 questions (plus 5 unscored items) 1.25-hour time limit Effective July 1, 2019 CONTENT OUTLINE 1. Licensing (4 Items) Change of Address 36 O.S. § 6206 Disciplinary Actions 36 O.S. § 6219, 6220 Maintenance (including CE) 36 O.S. § 6217; 36 O.S. § 6205; Reg. 365: 25-314(a) Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24, 6206 Types of Licensees 36 O.S. § 6202, 6204.1, 6205, 6207, 6209, 6712(12) OKLAHOMA INSURANCE DEPARTMENT 2. State Insurance Statutes, Rules, and Regulations (7 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 941, 943, 996.1, 3639, 3639.1; Reg. 365: 15-1-14 Insurance Commissioner General Duties and Powers 36 O.S. § 307, 307.1, 309.2, 361, 907, 1205, 1209, 6219, 6220 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 1250.2, 1250.6, 2003, 2004; 47 O.S. § 7-316, 324 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Public Adjuster's Additional Requirements 36 O.S. § 6214, 6218, 6216.2 Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 3. State Automobile Insurance Laws (4 Items) Cancellation/Nonrenewal 36 O.S. § 941, 943, 3635.1; 47 O.S. § 7-316, 7-324 State Automobile Insurance Plans 36 O.S. § 996.1 State Required Minimum Limits of Liability 36 O.S. § 924.1, 941.2, 3635.1, 3636; 47 O.S. § 7-324 Uninsured/Underinsured Motorist 36 O.S. § 3636, 3637 4. Personal and Commercial Property Policies (7 Items) Personal Lines Dwelling and Contents (DP forms) Homeowners (HO forms) Mobile Homes Inland Marine Personal Floaters Nationwide Definition Others Flood Personal Watercraft Earthquake 5. Commercial Property Policies (7 Items) Commercial Lines Commercial Property Commercial Building and Personal Property Form Causes of Loss Forms Business Income Extra Expense Commercial Package Policy (CPP) Equipment Breakdown Coverage Form Businessowners Policy (BOP) Inland Marine Commercial Floaters Nationwide Definition Others Flood Earthquake 6. Insurance Terms and Related Concepts (6 Items) Insurance Insurable Interest Risk Hazard Peril Loss Proximate Cause Indemnity Limits of Liability Coinsurance/Insurance to Value Deductible Contribution by equal shares Primary and Excess Coverage 7. Policy Provisions and Contract Law (5 Items) Definition of the Insured Duties of the Insured Proof of Loss Notice of Claim Subrogation Cancellation and Nonrenewal Provisions 8. Automobile Insurance (10 Items) Personal Automobile and Business Automobile Liability Medical Payments Physical Damage (Collision and Other Than Collision) Who is an Insured? Types of Automobiles Owned Non-Owned Hired Temporary Substitute Garage Coverage Form, including Garagekeepers Insurance Workers Compensation- Adjuster 1935 35 questions (plus 5 unscored items) 1-hour time limit Effective July 1, 2019 24 CONTENT OUTLINE 1. Licensing (3 Items) Change of Address 36 O.S. § 6206 Disciplinary Actions 36 O.S. § 6219, 6220 Maintenance (including CE) 36 O.S. § 6217; 36 O.S. § 6205; Reg. 365: 25-314(a) Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24, 6206 Types of Licensees 36 O.S. § 6202, 6204.1, 6205, 6207, 6209, 6712(12) 2. State Insurance Statutes, Rules, and Regulations (5 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 941, 943, 996.1, 3639, 3639.1; Reg. 365: 15-1-14 Insurance Commissioner General Duties and Powers 36 O.S. § 307, 307.1, 309.2, 361, 907, 1205, 1209, 6219, 6220 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 1250.2, 1250.6, 2003, 2004; 47 O.S. § 7-316, 324 Unfair Claims Settlement Practices Act 36 O.S. § 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 3. State Workers' Compensation (11 Items) 85A O.S. 2(9), 2(18)(b)(1) (2)(4)(7)&(11), 65(D)(1), 50(B), 45(A)(1), 47(C )(1)&(5), 45, 47 4. Insurance Terms and Related Concepts (3 Items) Insurance Loss Indemnity 5. Policy Provisions and Contract Law (4 Items) Duties of the Insured Cancellation and Nonrenewal OKLAHOMA INSURANCE DEPARTMENT Provisions Subrogation 6. Workers' Compensation (9 Items) Workers' Compensation Insurance Standard Policy Concepts Work-Related vs. Non-Work- Related Coverages Life- Producer or CSR 1940 100 questions (plus 5 unscored items) 2-hour time limit Effective July 1, 2019 CONTENT OUTLINE State-Specific Portion 1. Licensing (6 Items) Appointment Procedures 36 O.S. § 1435.15 Change of Address 36 O.S. § 1435.8(F) Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Maintenance (including CE) 36 O.S. § 1435.23, 1435.29; 1435.36; Reg. 365: 25-3-1 Process 36 O.S. § 1435.7, 1435.12 Purpose 36 O.S. § 1435.1-1435.4 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Types of Licensees 36 O.S. § 1435.2, 1435.81435.10, 1435.12, 1435.20, 1435.31 2. State Insurance Statutes, Rules, and Regulations (19 Items) Accelerated Benefits Reg. 365: 10-5-101 Capacity to Contract for Insurance - Minors 36 O.S. § 3606(B) Credit Life, Accident, and Health Reg: 365: 10-5-60 through 10-5-74 Domestic, Foreign, and Alien Insurers 36 O.S. § 601 - 606.1 Examination of Books and Records 36 O.S. § 1435.13(E) Fair Credit Reporting Act 36 O.S. § 950-959 Fraternal Benefit Society 36 O.S. § 2701.1 Fraud and False Statements 36 O.S. § 1204 Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1, 309.2, 361, 907, 1209, 1250.14, 1435.12, 1435.13, 1435.21, 1435.26; Reg. 365: 1-1-2, 1-1-3, 1-1-4, 1-1-5 Insurance Information and Privacy Protection Reg. 365: 35-1-12 Life and Health Insurance Guaranty Association Act 36 O.S. § 2022-2025 Life Insurance and Annuities 36 O.S. § 4008(A), 4034(G) Mutual Insurers 36 O.S. § 2103 Payment or Acceptance of Commission 36 O.S. § 1111, 1435.14 Proof of Loss 36 O.S. § 3629, 4805 Standard Nonforfeiture Law 36 O.S. § 4029, 4030 State Specific Definitions 36 O.S. § 105, 602, 901.2, 1250.2, 1435.2, 2701.1 Stock Insurers 36 O.S. § 2102 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.17 Unfair Practices and Frauds 36 O.S. § 1201-1207 Rebating and Inducements 36 O.S. § 1204(8) and 1204(10) Defamation 36 O.S. § 1204(3) Twisting 36 O.S. § 1204(1) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) General Portion 3. Provisions, Options, Exclusions, Riders, Clauses, And Rights (28 Items) Policy Provisions and Options Entire Contract Insuring Clause Free Look Consideration Clause Owner's Rights Beneficiary Designations Primary and Contingent Revocable and Irrevocable Common Disaster Premium Payment Modes Automatic Premium Loan Reinstatement Policy Loans, Withdrawals, Partial Surrenders Nonforfeiture Options Dividends and Dividend Options Incontestability 25 Assignments Suicide Misstatement of Age Settlement Options Fraud Policy Exclusions Policy Riders Waiver of Premium Guaranteed Insurability Payor Benefit Accidental Death and/or Accidental Death and Dismemberment Accelerated Benefits Rights of Renewability Cancellable 4. Life Products (25 Items) Whole Life - Stock/Mutual Term Universal Life Endowment Joint Life Survivorship Annuities Fixed Equity Variable Annuity Variable Life Group Life Viatical Settlement 5. Underwriting (20 Items) Completing the Application Required Signatures Collecting the Initial Premium and Issuing the Receipt Delivering the Policy When Coverage Begins Insurable Interest Medical Information and Consumer Reports Sales Practices 6. Considerations in Replacing Insurance (2 Items) State Replacement Requirements Accident & Health or SicknessProducer or CSR 1941 100 questions (plus 5 unscored items) 2-hour time limit Effective July 1, 2019 CONTENT OUTLINE State-Specific Portion 1. Licensing (6 Items) Appointment Procedures 36 O.S. § 1435.15 Change of Address 36 O.S. § 1435.8(F) Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Maintenance (including CE) 36 O.S. § 1435.23, 1435.29; OKLAHOMA INSURANCE DEPARTMENT 1435.36; Reg. 365: 25-3-1 Process 36 O.S. § 1435.7, 1435.12 Purpose 36 O.S. § 1435.1-1435.4 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Types of Licensees 36 O.S. § 1435.2, 1435.81435.10, 1435.12, 1435.20, 1435.31 2. State Insurance Statutes, Rules, and Regulations (19 Items) Capacity to Contract for Insurance - Minors 36 O.S. § 3606(B) Credit Life, Accident, and Health Reg: 365: 10-5-60 through 10-5-74 Domestic, Foreign, and Alien Insurers 36 O.S. § 601 - 606.1 Eligibility Requirements 36 O.S. § 6058 Examination of Books and Records 36 O.S. § 1435.13(E) Fair Credit Reporting Act 36 O.S. § 950-959 Fraternal Benefit Society 36 O.S. § 2701.1 Fraud and False Statements 36 O.S. § 1204 Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1, 309.2, 361, 907, 1209, 1250.14, 1435.12, 1435.13, 1435.21, 1435.26; Reg. 365: 1-1-2, 1-1-3, 1-1-4, 1-1-5 Insurance Information and Privacy Protection Reg. 365: 35-1-12 Life and Health Insurance Guaranty Association Act 36 O.S. § 2022-2025 Mandated or Required Benefits 36 O.S. § 6060, 6060.26060.4, 6060.20, 6060.21, 6060.8 Mandated or Required Offers 36 O.S. § 1162, 7003 Marketing/Advertising Practices Reg. 365: 10-3-3, 10-3-31 Medicare Supplement Reg. 365:10-5-125 Mutual Insurers 36 O.S. § 2103 Other Requirements 36 O.S. § 6519 Payment or Acceptance of Commission 36 O.S. § 1111, 1435.14 Proof of Loss 36 O.S. § 3629, 4805 Small Employer Health Insurance 36 O.S. § 6512, 6513, 6515, 6519, 6527 State Specific Definitions 36 O.S. § 105, 602, 901.2, 1250.2, 1435.2, 2701.1 Stock Insurers 36 O.S. § 2102 Suitability 36 O.S. § 4429; 365:10-548.3, Reg. 365:10-5-48.5 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.17 Unfair Practices and Frauds 36 O.S. § 1201-1207 Rebating and Inducements 36 O.S. § 1204(8) and 1204(10) Defamation 36 O.S. § 1204(3) Twisting 36 O.S. § 1204(1) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) General Portion 3. Provisions, Options, Exclusions, Riders, Clauses, And Right (32 Items) Mandatory Provisions Entire Contract Time Limit on Certain Defenses Grace Period Reinstatement Notice of Claim Claim Forms Proof of Loss Time of Payment of Claims Payment of Claims Legal Actions Change of Beneficiary Continuation and Extension of Benefits Preexisting Conditions Policy Provisions and Options Entire Contract Insuring Clause Free Look Consideration Clause Owner's Rights Beneficiary Designations Primary and Contingent Revocable and Irrevocable Common Disaster Premium Payment Modes Automatic Premium Loan Reinstatement Nonforfeiture Options Misstatement of Age Fraud Other Provisions and Clauses Probationary Period Elimination Period Coinsurance Deductibles Copayment Policy Exclusions Policy Riders Waiver of Premium Accidental Death and/or Accidental Death and 26 Dismemberment Rights of Renewability Non-cancellable Cancellable Guaranteed Renewable COBRA HIPAA 4. Underwriting (10 Items) Completing the Application Required Signatures Life, Accident & Health or Sickness Combined Exam- Producer or CSR 1942 150 questions (plus 5 unscored items) 2.-hour time limit Effective July 1, 2019 CONTENT OUTLINE State-Specific Portion 1. Licensing (9 Items) Appointment Procedures 36 O.S. § 1435.15 Change of Address 36 O.S. § 1435.8(F) Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Maintenance (including CE) 36 O.S. § 1435.23, 1435.29; 1435.36; Reg. 365: 25-3-1 Process 36 O.S. § 1435.7, 1435.12 Purpose 36 O.S. § 1435.1-1435.4 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Types of Licensees 36 O.S. § 1435.2, 1435.81435.10, 1435.12, 1435.20, 1435.31 2. State Insurance Statutes, Rules, and Regulations (29 Items) Accelerated Benefits Reg. 365: 10-5-101 Capacity to Contract for Insurance - Minors 36 O.S. § 3606(B) Credit Life, Accident, and Health Reg: 365: 10-5-60 through 10-5-74 Domestic, Foreign, and Alien Insurers 36 O.S. § 601- 606.1 Eligibility Requirements 36 O.S. § 6058 Examination of Books and Records 36 O.S. § 1435.13(E) OKLAHOMA INSURANCE DEPARTMENT Fair Credit Reporting Act 36 O.S. § 950-959 Fraternal Benefit Society 36 O.S. § 2701.1 Fraud and False Statements 36 O.S. § 1204 Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1, 309.2, 361, 907, 1209, 1250.14, 1435.12, 1435.13, 1435.21, 1435.26; Reg. 365: 1-1-2, 1-1-3, 1-1-4, 1-1-5 Insurance Information and Privacy Protection Reg. 365: 35-1-12 Life and Health Insurance Guaranty Association Act 36 O.S. § 2022-2025 Life Insurance and Annuities 36 O.S. § 4008(A), 4034(G) Mandated or Required Benefits 36 O.S. § 6060, 6060.26060.4, 6060.20, 6060.21, 6060.8 Mandated or Required Offers 36 O.S. § 1162, 7003 Marketing/Advertising Practices Reg. 365: 10-3-3, 10-3-31 Medicare Supplement Reg. 365:10-5-125 Mutual Insurers 36 O.S. § 2103 Other Requirements 36 O.S. § 6519 Payment or Acceptance of Commission 36 O.S. § 1111, 1435.14 Proof of Loss 36 O.S. § 3629, 4805 Small Employer Health Insurance 36 O.S. § 6512, 6513, 6515, 6519, 6527 Standard Nonforfeiture Law 36 O.S. § 4029, 4030 State Specific Definitions 36 O.S. § 105, 602, 901.2, 1250.2, 1435.2, 2701.1 Stock Insurers 36 O.S. § 2102 Suitability 36 O.S. § 4429; 365:10-548.3, Reg. 365:10-5-48.5 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.17 Unfair Practices and Frauds 36 O.S. § 1201-1207 Rebating and Inducements 36 O.S. § 1204(8) and 1204(10) Defamation 36 O.S. § 1204(3) Twisting 36 O.S. § 1204(1) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) General Portion 3. Provisions, Options, Exclusions, Riders, Clauses, and Rights (42 Items) Mandatory Provisions Entire Contract Time Limit on Certain Defenses Grace Period Notice of Claim Claim Forms Proof of Loss Time of Payment of Claims Payment of Claims Legal Actions Change of Beneficiary Continuation and Extension of Benefits Preexisting Conditions Policy Provisions and Options Entire Contract Insuring Clause Free Look Consideration Clause Owner's Rights Beneficiary Designations Primary and Contingent Revocable and Irrevocable Common Disaster Premium Payment Modes Automatic Premium Loan Reinstatement Policy Loans, Withdrawals, Partial Surrenders Nonforfeiture Options Dividends and Dividend Options Incontestability Assignments Suicide Misstatement of Age Settlement Options Fraud Other Provisions and Clauses Probationary Period Elimination Period Coinsurance Deductibles Copayment Policy Exclusions Policy Riders Waiver of Premium Guaranteed Insurability Payor Benefit Accidental Death and/or Accidental Death and Dismemberment Accelerated Benefits Rights of Renewability Non-cancellable Cancellable Guaranteed Renewable COBRA HIPAA 4. Life Products (30 Items) Whole Life - Stock/Mutual Term Universal Life Endowment Joint Life Survivorship Annuities Fixed 27 Equity Variable Annuity Variable Life Group Life Viatical Settlement 5. Underwriting (13 Items) Completing the Application Required Signatures Collecting the Initial Premium and Issuing the Receipt Delivering the Policy When Coverage Begins Insurable Interest Medical Information and Consumer Reports Sales Practices 6. Considerations in Replacing Insurance (2 Items) State Replacement Requirements 7. Health Providers and Products (15 Items) Limited Benefit Plans Specified Disease (cancer, heart) Hospital Confinement Indemnity Major Medical HMOs PPOs MEWAs Group Health Plans Credit Disability Policy Disability Income Dental 8. Medicare (5 Items) Medicare Advantage (Part C) Part D Medicare Supplement Plans 9. Long-Term Care (LTC) Policies (5 Items) Deductibility of Premiums for LTC Insurance for State Income Tax Purposes Renewal Features Sales Requirements Minimum Standards Coverage Selections Suitability Property and Casualty- Personal Lines Only- Producer or CSR 1943 100 questions (plus 5 unscored items) 2-hour time limit Effective July 1, 2019 CONTENT OUTLINE State-Specific Portion 1. Licensing (5 Items) Appointment Procedures 36 O.S. § 1435.15 Change of Address 36 O.S. § 1435.8(F) OKLAHOMA INSURANCE DEPARTMENT Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Maintenance (including CE) 36 O.S. § 1435.23, 1435.29; 1435.36; Reg. 365: 25-3-1 Process 36 O.S. § 1435.7, 1435.12 Purpose 36 O.S. § 1435.1-1435.4 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Types of Licensees 36 O.S. § 1435.2, 1435.81435.10, 1435.12, 1435.20, 1435.31, 6712(12) 2. State Insurance Statutes, Rules, and Regulations (10 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 943, 1241.2, 3622, 3639, 3639.1; Reg. 365: 15-1-14 Domestic, Foreign, and Alien Insurers 36 O.S. § 601 - 606.1 Examination of Books and Records 36 O.S. § 1435.13(E) Fair Credit Reporting Act 36 O.S. § 950-959 Fraud and False Statements 36 O.S. § 1204 Inducements 36 O.S. § 1204(10) Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1, 309.2, 361, 907, 1209, 1250.14, 1435.12, 1435.13, 1435.21, 1435.26; Reg. 365: 1-1-2, 1-1-3, 1-1-4, 1-1-5 Insurance Information and Privacy Protection Reg. 365: 35-1-12 Mutual Insurers 36 O.S. § 2103 Payment or Acceptance of Commission 36 O.S. § 1111, 1435.14 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 1109, 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 901.2, 1250.2, 1435.2, 2701.1 Stock Insurers 36 O.S. § 2102 Surplus Lines 36 O.S. § 1106, 1115 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Rebating and Inducements 36 O.S. § 1204(8) and 1204(10) Defamation 36 O.S. § 1204(3) Twisting 36 O.S. § 1204(1) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 3. State Automobile Insurance Laws (10 Items) Cancellation/Nonrenewal 36 O.S. § 940, 941, 943, 1241.2, 3635.1; 47 O.S. § 7316, 7-324; Reg. 365: 15-114 State Automobile Insurance Plans 36 O.S. § 996.1 State Required Minimum Limits of Liability 36 O.S. § 924.1, 941.2, 3635.1, 3636; 47 O.S. § 7324 Uninsured/Underinsured Motorist 36 O.S. § 3636, 3637 General Portion 4. Personal Policies (15 Items) Personal Lines Dwelling and Contents (DP forms) Personal Liability Homeowners (HO forms) Mobile Homes Inland Marine Personal Floaters Nationwide Definition Others Flood Personal Watercraft Earthquake 5. Property Insurance Terms and Related Concepts (15 Items) Insurance Insurable Interest Risk Hazard Peril Loss Direct Indirect Proximate Cause Deductible Indemnity Actual Cash Value (ACV) Replacement Cost Limits of Liability Coinsurance/Insurance to Value Pair and Set Clause Additional Coverages Accident Occurrence Vacancy and Unoccupancy Right of Salvage Burglary Robbery Theft 28 Mysterious Disappearance Representations Underwriting General Concepts Primary and Excess Coverage Contribution by equal shares 6. Property Policy Provisions and Contract Law (15 Items) Declarations Insuring Agreement Conditions Exclusions Definition of the Insured Duties of the Insured Obligations of the Insurer Mortgagee Rights Proof of Loss Notice of Claim Appraisal Other Insurance Provisions Assignment Subrogation Arbitration Elements of a Contract Warranties, Representations, and Concealment Binders Endorsements Cancellation and Nonrenewal Provisions 7. Personal Casualty Policies and Related Terms (10 Items) Personal Automobile Liability Medical Payments Physical Damage (Collision and Other Than Collision) Uninsured/Underinsured Motorist Who is an Insured? Types of Auto Owned Temporary Substitute Umbrella/Excess Liability 8. Casualty Insurance Terms and Related Concepts (10 Items) Risk Hazard Indemnity Insurable Interest Actual Cash Value (ACV) Negligence Liability Accident Occurrence Binders Warranties Representations Concealment Bodily Injury Liability Property Damage Liability Personal Injury Liability Limits of Liability Insured Contract Certificate of Insurance Underwriting General Concepts 9. Casualty Policy Provisions and Contract Law (10 items) Declarations Insuring Agreement Conditions Exclusions OKLAHOMA INSURANCE DEPARTMENT Definition of the Insured Duties of the Insured Duties of the Insured after a Loss Cancellation and Nonrenewal Provisions Proof of Loss Notice of Claim Other Insurance Provisions Subrogation Claims Made Form Salvage Limitations Elements of a Contract Obligations of the Insurer Endorsements Property and Casualty-Combined Exam- Producer or CSR 1944 150 questions (plus 5 unscored items) 2.5-hour time limit Effective July 1, 2019 CONTENT OUTLINE State-Specific Portion 1. Licensing (7 Items) Appointment Procedures 36 O.S. § 1435.15 Change of Address 36 O.S. § 1435.8(F) Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Maintenance (including CE) 36 O.S. § 1435.23, 1435.29; 1435.36; Reg. 365: 253-1 Process 36 O.S. § 1435.7, 1435.12 Purpose 36 O.S. § 1435.1-1435.4 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Types of Licensees 36 O.S. § 1435.2, 1435.81435.10, 1435.12, 1435.20, 1435.31, 6712(12) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 2. State Insurance Statutes, Rules, and Regulations (16 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 943, 1241.2, 3622, 3639, 3639.1; Reg. 365: 15-1-14 Domestic, Foreign, and Alien Insurers 36 O.S. § 601 - 606.1 Examination of Books and Records 36 O.S. § 1435.13(E) Fair Credit Reporting Act 36 O.S. § 950-959 Fraud and False Statements 36 O.S. § 1204 Inducements 36 O.S. § 1204(10) Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1, 309.2, 361, 907, 1209, 1250.14, 1435.12, 1435.13, 1435.21, 1435.26; Reg. 365: 1-1-2, 1-1-3, 1-1-4, 1-1-5 Insurance Information and Privacy Protection Reg. 365: 35-1-12 Mutual Insurers 36 O.S. § 2103 Payment or Acceptance of Commission 36 O.S. § 1111, 1435.14 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 1109, 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 901.2, 1250.2, 1435.2, 2701.1 Stock Insurers 36 O.S. § 2102 Surplus Lines 36 O.S. § 1106, 1115 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Rebating and Inducements 36 O.S. § 1204(8) and 1204(10) Defamation 36 O.S. § 1204(3) Twisting 36 O.S. § 1204(1) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 3. State Automobile Insurance Laws (10 Items) Cancellation/Nonrenewal 36 O.S. § 940, 941, 943, 1241.2, 3635.1; 47 O.S. § 7-316, 7-324; Reg. 365: 15-1-14 State Automobile Insurance Plans 36 O.S. § 996.1 State Required Minimum Limits of Liability 36 O.S. § 924.1, 941.2, 3635.1, 3636; 47 O.S. § 29 7-324 Uninsured/Underinsured Motorist 36 O.S. § 3636, 3637 4. State Workers' Compensation (5 Items) 85A O.S. 2(18), 65(D)(1), 50(B), 2(18)(b)(7) General Portion 5. Personal Policies (8 items) Personal Lines Dwelling and Contents (DP forms) Personal Liability Homeowners (HO forms) Mobile Homes Inland Marine Personal Floaters Nationwide Definition Others Flood Personal Watercraft Earthquake 6. Commercial Property Policies (15 items) Commercial Lines Commercial Property Commercial Building and Personal Property Form Causes of Loss Forms Business Income Extra Expense Commercial Package Policy (CPP) Equipment Breakdown Coverage Form Businessowners Policy (BOP) Bonds Crime Bonds Fidelity Crime Inland Marine Commercial Floaters Nationwide Definition Motor Truck Cargo Others Flood Earthquake Burglary and Crime Coverage 7. Property Insurance Terms and Related Concepts (20 items) Insurance Insurable Interest Risk Hazard Peril Loss Direct Indirect Proximate Cause Deductible Indemnity Actual Cash Value (ACV) Replacement Cost Limits of Liability Coinsurance/Insurance to Value Pair and Set Clause Additional Coverages Accident Occurrence Vacancy and Unoccupancy OKLAHOMA INSURANCE DEPARTMENT Right of Salvage Burglary Robbery Theft Mysterious Disappearance Representations Underwriting General Concepts Primary and Excess Coverage Contribution by equal shares 8. Property Policy Provisions and Contract Law (15 items) Declarations Insuring Agreement Conditions Exclusions Definition of the Insured Duties of the Insured Obligations of the Insurer Mortgagee Rights Proof of Loss Notice of Claim Appraisal Other Insurance Provisions Assignment Subrogation Arbitration Elements of a Contract Warranties, Representations, and Concealment Binders Endorsements Cancellation and Nonrenewal Provisions 9. Personal Casualty Policies and Related Terms (10 items) Personal Automobile Liability Medical Payments Physical Damage (Collision and Other Than Collision) Uninsured/Underinsured Motorist Who is an Insured? Types of Auto Owned Temporary Substitute Umbrella/Excess Liability 10. Commercial Casualty Policies, Bonds and Related Terms (20 items) Commercial General Liability Basic Hazards Premises and Operations Products and Completed Operations Independent Contractors Contractual Commercial General Liability Coverage Forms Coverage A: Bodily Injury and Property Damage Liability Occurrence Coverage B: Personal Injury and Advertising Injury Coverage C: Medical Payments Who is an Insured? Limits Definitions Owners and Contractors Protective Liability Business (Commercial) Automobile Liability Medical Payments Physical Damage Uninsured/Underinsured Motorist Who is an Insured? Types of Autos Owned Non-owned Hired Temporary Substitute Garage Coverage Form, including Garagekeepers Insurance Workers' Compensation Insurance Standard Policy Concepts Work-Related vs. Non-WorkRelated Other States' Insurance Surety Bonds Professional Liability Errors and Omissions Directors and Officers Umbrella/Excess Liability 11. Casualty Insurance Terms and Related Concepts (15 items) Risk Hazard Indemnity Insurable Interest Actual Cash Value (ACV) Negligence Liability Accident Occurrence Binders Warranties Representations Concealment Bodily Injury Liability Property Damage Liability Personal Injury Liability Limits of Liability Insured Contract Certificate of Insurance Underwriting General Concepts 12. Casualty Policy Provisions and Contract Law (9 items) Declarations Insuring Agreement Conditions Exclusions Definition of the Insured Duties of the Insured Duties of the Insured after a Loss Cancellation and Nonrenewal Provisions Proof of Loss Notice of Claim Other Insurance Provisions Subrogation Claims Made Form Salvage Limitations Elements of a Contract Obligations of the Insurer Endorsements 30 Casualty-Producer or CSR 1945 75 questions (plus 5 unscored items) 2-hour time limit Effective July 1, 2019 CONTENT OUTLINE State-Specific Portion 1. Licensing (3 Items) Appointment Procedures 36 O.S. § 1435.15 Change of Address 36 O.S. § 1435.8(F) Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Maintenance (including CE) 36 O.S. § 1435.23, 1435.29; 1435.36; Reg. 365: 25-3-1 Process 36 O.S. § 1435.7, 1435.12 Purpose 36 O.S. § 1435.1-1435.4 Qualifications 36 O.S. § 401 - 406, 1435.7, 1435.24 Types of Licensees 36 O.S. § 1435.2, 1435.81435.10, 1435.12, 1435.20, 1435.31 2. State Insurance Statutes, Rules, and Regulations (11 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 943, 1241.2, 3622, 3639, 3639.1; Reg. 365: 15-1-14 Domestic, Foreign, and Alien Insurers 36 O.S. § 601 - 606.1 Examination of Books and Records 36 O.S. § 1435.13(E) Fair Credit Reporting Act 36 O.S. § 950-959 Fraud and False Statements 36 O.S. § 1204 Inducements 36 O.S. § 1204(10) Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1,309.2, 361, 907, 1209, 1250.14, 1435.12, 1435.13, 1435.21, 1435.26; Reg. 365: 1-1-2, 1-1-3, 1-1-4, 1-1-5 Insurance Information and Privacy Protection Reg. 365: 35-1-12 Mutual Insurers 36 O.S. § 2103 Payment or Acceptance of Commission 36 O.S. § 1111, 1435.14 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty OKLAHOMA INSURANCE DEPARTMENT Association 36 O.S. § 1109, 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 901.2, 1250.2, 1435.2, 2701.1 Stock Insurers 36 O.S. § 2102 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Rebating and Inducements 36 O.S. § 1204(8) and 1204(10) Defamation 36 O.S. § 1204(3) Twisting 36 O.S. § 1204(1) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) 3. State Automobile Insurance Laws (3 Items) Cancellation/Nonrenewal 36 O.S. § 940, 941, 943, 1241.2, 3635.1; 47 O.S. § 7316, 7-324; Reg. 365: 15-114 State Automobile Insurance Plans 36 O.S. § 996.1 State Required Minimum Limits of Liability 36 O.S. § 924.1, 941.2, 3635.1, 3636; 47 O.S. § 7324 Uninsured/Underinsured Motorist 36 O.S. § 3636, 3637 4. State Workers' Compensation (2 Items) 85A O.S. 2(18), 65(D)(1), 50(B), 2(18)(b)(7) General Portion Products and Completed Operations Independent Contractors Contractual Commercial General Liability Coverage Forms Coverage A: Bodily Injury and Property Damage Liability Occurrence Coverage B: Personal Injury and Advertising Injury Coverage C: Medical Payments Who is an Insured? Limits Definitions Owners and Contractors Protective Liability Business (Commercial) Automobile Liability Medical Payments Physical Damage Uninsured/Underinsured Motorist Who is an Insured? Types of Autos Owned Non-owned Hired Temporary Substitute Garage Coverage Form, including Garagekeepers Insurance Workers' Compensation Insurance Standard Policy Concepts Work-Related vs. Non-WorkRelated Other States' Insurance Surety Bonds Professional Liability Errors and Omissions Directors and Officers Umbrella/Excess Liability Employment Practices Liability Insurance (EPLI) Property- Producer or CSR 1946 75 questions (plus 5 unscored items) 2-hour time limit Effective July 1, 2019 5. Personal Casualty Policies and Related Terms (6 items) Personal Automobile Liability Medical Payments Physical Damage (Collision and Other Than Collision) Uninsured/Underinsured Motorist Who is an Insured? Types of Auto Owned Temporary Substitute Umbrella/Excess Liability 6. Commercial Casualty Policies, Bonds, and Related Terms (30 items) Commercial General Liability Basic Hazards Premises and Operations CONTENT OUTLINE State-Specific Portion 1. Licensing (6 Items) Appointment Procedures 36 O.S. § 1435.15 Change of Address 36 O.S. § 1435.8(F) Disciplinary Actions 36 O.S. § 1435.13, 1435.26 Maintenance (including CE) 36 O.S. § 1435.23, 1435.29; 1435.36; Reg. 365: 25-3-1 Process 36 O.S. § 1435.7, 1435.12 Purpose 36 O.S. § 1435.1-1435.4 Qualifications 31 36 O.S. § 401 - 406, 1435.7, 1435.24 Types of Licensees 36 O.S. § 1435.2, 1435.81435.10, 1435.12, 1435.20, 1435.31, 6712(12) 2. State Insurance Statutes, Rules, and Regulations (13 Items) Binders 36 O.S. § 3622 Cancellation and Nonrenewal 36 O.S. § 940, 943, 1241.2, 3622, 3639, 3639.1; Reg. 365: 15-1-14 Domestic, Foreign, and Alien Insurers 36 O.S. § 601 - 606.1 Examination of Books and Records 36 O.S. § 1435.13(E) Fair Credit Reporting Act 36 O.S. § 950-959 Fraud and False Statements 36 O.S. § 1204 Inducements 36 O.S. § 1204(10) Insurance Commissioner General Duties and Powers 36 O.S. § 302, 307, 307.1, 309.2, 361, 907, 1209, 1250.14, 1435.12, 1435.13, 1435.21, 1435.26; Reg. 365: 1-1-2, 1-1-3, 1-1-4, 1-1-5 Insurance Information and Privacy Protection Reg. 365: 35-1-12 Mutual Insurers 36 O.S. § 2103 Payment or Acceptance of Commission 36 O.S. § 1111, 1435.14 Proof of Loss 36 O.S. § 3629, 4805 Property and Casualty Insurance Guaranty Association 36 O.S. § 1109, 2002, 2003 State Specific Definitions 36 O.S. § 105, 602, 901.2, 1250.2, 1435.2, 2701.1 Stock Insurers 36 O.S. § 2102 Surplus Lines 36 O.S. § 1106, 1115 Unfair Claims Settlement Practices Act 36 O.S. 1250.2 - 1250.14 Unfair Practices and Frauds 36 O.S. § 1201-1207 Rebating and Inducements 36 O.S. § 1204(8) and 1204(10) Defamation 36 O.S. § 1204(3) Twisting 36 O.S. § 1204(1) Policy document electronic delivery 36 O.S. § 123 Federal Regulation Fair Credit Reporting Act (15 USC 1681 1681d) Federal Regulation Fraud and false statements (18 USC 1033, 1034) OKLAHOMA INSURANCE DEPARTMENT General Portion 3. Personal Policies (7 items) Personal Lines Dwelling and Contents (DP forms) Personal Liability Homeowners (HO forms) Mobile Homes Inland Marine Personal Floaters Nationwide Definition Others Flood Personal Watercraft Earthquake 4. Commercial Property Policies (15 items) Commercial Lines Commercial Property Commercial Building and Personal Property Form Causes of Loss Forms Business Income Extra Expense Commercial Package Policy (CPP) Equipment Breakdown Coverage Form Businessowners Policy (BOP) Crime Bonds Fidelity Crime Inland Marine Commercial Floaters Nationwide Definition Motor Truck Cargo Others Flood Earthquake Burglary and Crime Coverage 5. Property Insurance Terms and Related Concepts (20 items) Insurance Insurable Interest Risk Hazard Peril Loss Direct Indirect Proximate Cause Deductible Indemnity Actual Cash Value (ACV) Replacement Cost Limits of Liability Coinsurance/Insurance to Value Pair and Set Clause Additional Coverages Accident 32 Exam Registration Form Oklahoma Insurance Examinations To conveniently register online, please go to www.prometric.com/Oklahoma/insurance. Print or type clearly and neatly. Incomplete or illegible forms will not be processed. Last Name First Name Middle Name Residence Address (Your address of legal residence is required) City State ZIP Code Employer (insurance company, if known) E-mail address (applications without an email address may experience delays) Daytime Phone Number (including area code) ( ) Evening Phone Number (including area code) ( ) Fax Number (including area code) ( ) Exam Title Bail Bondsman Exam: Oklahoma Bail Bondsman Exam 1917 Producer/CSR Exams: OK Life/Accident and Health or Sickness Exam 1942 OK Accident and Health or Sickness Exam 1941 OK Life Exam 1940 OK Property & Casualty Exam 1944 OK Property & Casualty Personal Lines Only Exam 1943 OK Casualty - Exam 1945 OK Property - Exam 1946 OK Title Exam 1911 OK Aircraft Title Exam 1916 Adjuster Exams: OK Property and Casualty - Exam 1930 OK Casualty - Exam 1931 OK Crop and Hail Exam 1932 OK Property - Exam 1934 OK Workers Compensation Exam 1935 Exam Fee Total $100 $ $41 $ $41 $ $41 $ $41 $ $41 $ $41 $ $41 $ $41 $ $41 $ $20 $ $20 $ $20 $ $20 $ $20 $ Total Fee $ Registration fees are not refundable. Fees may be paid by MasterCard , Visa or American Express. Personal checks and cash are not accepted. To pay by credit card (when registering by mail or fax), please complete the Credit Card Payment Form on the next page and fax to 800.347.9242, or send this completed form along with the appropriate fee to: Prometric ATTN: OK Insurance Exam Registration 7941 Corporate Drive Nottingham, MD 21236 33 Credit Card Payment Form Print or type clearly and neatly. Incomplete or illegible forms will not be processed. Card Type (Check One) MasterCard Card Number Visa American Express Expiration Date Amount $ . Name of Cardholder (Print) Signature of Cardholder 34Microsoft Word 2013 Microsoft Word 2013