PSI Services LLC

3210 E Tropicana
Las Vegas, NV 89121
Phone: (800) 733-9267
Fax: (702) 932-2666
E-mail: examschedule@psionline.com
www.psiexams.com

INSURANCE LICENSE EXAMINATION

CANDIDATE INFORMATION BULLETIN

Examinations by PSI Services LLC ........................... 2 Taking the Examination by Computer ....................... 7
The Licensure Process ........................................ 2 Identification Screen ............................... 7
Pre-Licensing Education Requirements ..................... 3 Tutorial ............................................... 7
Pre-Licensing Education Completion Certificate .......... 3 Test Question Screen ............................... 7
Pre-Licensing Exemptions .................................... 3 Examination Review ................................ 7
Fingerprint and Background Check Information ........... 3 Review Request ..................................... 7
Examination Payment and Scheduling Procedures ........ 3 Score Reporting ................................................ 7
On-line, via the Internet ........................... 4 Duplicate Score Reports ............................ 7
Telephone............................................ 4 Tips for Preparing for your License Examination .......... 7
Fax .................................................... 4 Examination Information ..................................... 8
Email ................................................. 4 Non-Scored Questions .............................. 8
Standard Mail ........................................ 4 Study Materials ...................................... 8
Rescheduling/Canceling an Examination ....... 4 Applying for your License ..................................... 8
Re-taking a Failed Examination .................. 4 Criminal Background Check .................................. 9
Missed Appointment or Late Cancellation ....... 4 Surety Bail Bond ID Card ...................................... 9
Examination Accommodations .................... 4 Continuing Education Requirements ........................ 9
Emergency Examination Center Closing ......... 5 License Renewal Process .................................... 10
Examination Center Locations ............................... 5 Examination Content Outlines .............................. 11
Reporting to the Examination Center....................... 6 Examination Registration Form ............. End of Bulletin
Required Identification ............................ 6 Examination Accommodations Request ..... End of Bulletin
Security Procedures ................................ 6

Please refer to our website to check for the most updated information at www.psiexams.com

Copyright © 2019 by PSI Services LLC Effective 12/10/2019

 OHIO INSURANCE LICENSE EXAMINATION CHECKLIST

Before registering for an examination, make sure that you have reviewed the following checklist.

▪ You do not need approval from the State of Ohio to take an examination.
▪ There is no limit to the number of times a candidate may retake an examination if necessary, to pass. However, for the
examinations that require a pre-licensing course certificate, the certificate must be valid (certificates are valid for 180
calendar days beginning on the date of issuance).

Pay and Schedule for your examination:

▪ Complete the registration form online, at www.psiexams.com. On the homepage, “Create an account” can be found on
the right-hand column under “New Users” or;
▪ Completely fill out the PSI Registration Form (found at the end of this bulletin) and mail, e-mail, or fax to PSI or;
▪ Call (800) 733-9267 to register.

Take your examination:

▪ Must bring two valid forms of signature bearing identification, with at least one also bearing your photograph. Your name as
shown during registration must exactly match the name on the photo I.D. used when checking in at the examination center.
▪ Must bring VALID course completion certificate(s) or education waiver(s), if required, to the examination center. Your
name as shown on the certificate must exactly match the name on the photo I.D. used when checking in at the examination
center as well as the name shown during registration. Please note that if you do not bring the appropriate prelicensing
certificate(s) or education waiver(s) when required, you will not be able to test and your exam fee will be forfeited.
▪ Please arrive 30 minutes prior to appointment.

After your examination:

▪ You will receive your results upon completion.

▪ Upon passing the examination, your results will be transmitted daily to the Department.
▪ Complete (BCI/FBI) criminal background check.

Applying for a license:

▪ Immediately after you pass your examination, you may complete and submit your license application electronically using
the kiosk at the examination center or you may apply outside the examination center by going to
https://insurance.ohio.gov/wps/portal/gov/odi and clicking on blue “Apply or Renew Agent License” button.

WWW.PSIEXAMS.COM 2
 EXAMINATIONS BY PSI SERVICES LLC THE LICENSURE PROCESS

The Ohio Department of Insurance (ODI) is authorized by For licensing information, please contact:
Chapter 3905 of the Ohio Revised Code to qualify individuals to Ohio Department of Insurance
act as insurance agents in the State of Ohio. ODI has License Division
contracted with PSI Services LLC (PSI) to conduct the 50 West Town Street, Third Floor, Suite 300
examination program. PSI works closely with the State to Columbus, OH 43215
ensure examinations meet the state and nationally established Telephone: (614) 644-2665
technical and professional standards for examination Email: licensing@insurance.ohio.gov
development and administration. PSI provides these Website: https://insurance.ohio.gov/wps/portal/gov/odi
examinations through a network of computer examination
centers in Ohio. The State of Ohio issues several types of insurance licenses.
Licensing requirements may differ depending on whether you
This Candidate Information Bulletin provides you with are a resident or a nonresident of Ohio.
information about the processes for taking an examination and
obtaining a resident insurance license in the State of Ohio. To be licensed, you must:
▪ Be at least 18 years of age;
If you are interested in applying for a nonresident license, you ▪ Complete a pre-licensing education course (see
can apply online via below);
https://insurance.ohio.gov/wps/portal/gov/odi. ▪ Submit to a criminal background check (BCI & FBI);
▪ Pass an examination confirming that you have attained
at least a minimum level of knowledge regarding the
statutes and regulations affecting the insurance
profession and the products and services that you will
sell to the public; and
▪ Submit an application and any required fees.

Individual License Type Pre-licensing Exam Fingerprint/ License

Lines of Authority Education Required Background Application Fees
Required Check
Major Lines
- Life 20 hours Yes Yes $10
- Accident & Health 20 hours Yes Yes $10
- Property 20 hours Yes Yes $10
- Casualty 20 hours Yes Yes $10
- Personal Lines 20 hours Yes Yes $10
- Variable None No Yes $10
Surety Bail Bond 20 hours Yes Yes $150
Public Insurance Adjuster None Yes No $100
Public Insurance Adjuster Agent None No No $50
Title None Yes Yes $10
Title Marketing Representative None No Yes $10
Limited Lines
- Crop None No Yes $10
- Credit None No Yes $10
- Funeral Expense None No Yes $10
- Reciprocal None No No $10
- Rental Car None No Yes $10
- Travel None No Yes $10
- Portable Electronics (10 or less locations) None No No $3000
- Portable Electronics (11 or more locations) None No No $5000
Managing General Agent None No No $20
Reinsurance Intermediary None No No $500
Surplus Lines None No Yes $100
Third Party Administrator None No No $200
Viatical Settlement Broker None No Yes $200

WWW.PSIEXAMS.COM 3
 - Associate in Risk Management (ARM)
PRE-LICENSING EDUCATION REQUIREMENTS - Certified Insurance Counselor (CIC)
- Chartered Property and Casualty Underwriter (CPCU)
FAILURE TO COMPLETE ALL PRE-LICENSING REQUIREMENTS
WILL REQUIRE YOU TO RE-TAKE THE EXAMINATION If you are seeking an exemption from the pre-licensing
You must successfully complete a pre-license course or obtain requirement, you must submit the Pre-licensing Education
a written waiver authorization from the Department prior to Waiver Request and official documentation providing evidence
sitting for an examination, if required. Pre-license course of designation. The waiver request can be obtained at
requirements must be met through a course provider approved https://insurance.ohio.gov/wps/portal/gov/odi. You can fax
by the Department. the form with other supporting documentation to the Licensing
Division at (614) 387-0051.
A list of approved pre-licensing education schools is available
at Upon approval you will receive an education waiver from ODI.
https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/E This original waiver must be presented on the day of testing.
duCourseProvider.mvc Each waiver is valid for 180 calendar days beginning on the
date of issuance.

PRE-LICENSING EDUCATION COMPLETION No person who has surrendered a license or who has had an
CERTIFICATE insurance license suspended, inactivated, canceled for non-
renewal or revoked may use any pre-license education
exemptions.
You must present a Course Completion Certificate of the
required pre-licensing education or education waiver to the
examination center in order to test. You must bring the FINGERPRINT AND BACKGROUND CHECK
certificate to the test site. Failure to do so will cause you to INFORMATION
be turned away and your fee will be forfeited. Altered
certificates will not be accepted. The certificate must be
signed and dated by the provider and candidate. Course Ohio Revised Code 3905.051 requires individuals applying for an
completion certificates and education waivers are valid for insurance license to submit fingerprints for a criminal records
180 calendar days beginning on the date of issuance. If you check completed by the Ohio Bureau of Criminal Investigation
have not passed your examination within this time period, you and Identification (BCI) and the Federal Bureau of Investigation
will need to retake the pre-licensing education course. (FBI).

Note: For the Life, Accident and Health Insurance Series 11-35 To complete a criminal background check, applicants must use
and Property and Casualty Insurance Series 11-36 examinations, National WebCheck, a web-based fingerprinting technology
you must present both Course Completion Certificates on the that processes background checks electronically. WebCheck
day of testing. requests are usually processed within two business days, but in
some cases, the Department of Insurance may not receive the
If you do not provide appropriate prelicensing certificate(s) or results for up to 4-6 weeks.
education waiver(s) at the test center as described above, you
will not be able to test and your exam fee will be forfeited. A list of WebCheck providers is available on the Department’s
website at https://insurance.ohio.gov/wps/portal/gov/odi.
You can also make a
PRE-LICENSING EXEMPTIONS fingerprint reservation online at
http://www.fastfingerprints.com/Internal/AppointmentEdit.as
px?AppointmentID=0%20.
Pre-licensing education may be waived for:
All PSI examination centers are approved WebCheck providers.
Life
If you wish to have fingerprints taken at a PSI examination
- Bachelor or Associates Degree in Insurance
center, you must pay the fingerprint fee of $72.25. The fee,
- Certified Employee Benefit Specialist (CEBS) may be made payable by VISA or MasterCard.
- Chartered Financial Consultant (ChFC)
- Certified Insurance Counselor (CIC)
- Certified Financial Planner (CFP) EXAMINATION PAYMENT AND SCHEDULING
- Chartered Life Underwriter (CLU)
- Fellow of the Life Management Institute (FLMI)
PROCEDURES
- Life Underwriter Training Council Fellow (LUTCF)
Examination Fee $42
Accident & Health
- Bachelor or Associates Degree in Insurance NOTE: EXAMINATION FEES ARE NOT REFUNDABLE OR
- Registered Health Underwriter (RHU) TRANSFERABLE. THE EXAMINATION FEE IS VALID FOR ONE YEAR
- Certified Employee Benefit Specialist (CEBS) FROM THE DATE OF PAYMENT.
- Registered Employee Benefits Counselor (REBC)
- Health Insurance Associate (HIA) It is the candidate’s responsibility to contact PSI to pay and
schedule an examination. There is no limit to the number of
Property, Casualty or Personal Lines times a candidate may retake an examination if necessary to
- Bachelor or Associates Degree in Insurance pass. However, for the examinations that require a pre-
- Accredited Advisor in Insurance (AAI) licensing course certificate, the certificate must be valid

WWW.PSIEXAMS.COM 4
(certificates are valid for 180 calendar days beginning on the
date of issuance). Please allow PSI two (2) weeks to process a mailed registration.
After two (2) weeks, you may go online or call PSI to schedule
ONLINE (WWW.PSIEXAMS.COM) the examination.

For the fastest and most convenient examination scheduling RESCHEDULING/CANCELING AN EXAMINATION APPOINTMENT
process, PSI recommends that you register for your
examinations using the Internet. You register online by You may cancel and reschedule the same examination without
accessing PSI’s registration website at www.psiexams.com. forfeiting your fee if your cancellation notice is received 2 days
Internet registration is available 24 hours a day. before the scheduled examination date. (For example, for a
Monday appointment, the cancellation notice would need to be
▪ Log onto PSI’s website and create an account. You will be received on the previous Saturday.) You may reschedule online
asked to put in your email address and the spelling of your at www.psiexams.com or call PSI at (800) 733-9267.
name exactly as it is shown on your identification that will
be presented at the examination center. Note: A voice mail message is not an acceptable form of
▪ You will be asked to select the examination. You will then cancellation. Please use the PSI Website or call PSI and
enter your personal and contact information. You will then speak directly to a Customer Service Representative.
be ready to pay and schedule for the examination. Enter
your zip code and a list of the examination centers closest RETAKING A FAILED EXAMINATION
to you will appear. If you prefer to test at a location
outside the state of Ohio, a drop-down menu allows you to It is not possible to make a new examination appointment on
select a different state. Once you select the desired the same day you have taken an examination; this is due to
examination center, available dates will appear. processing and reporting scores. (For example, a candidate
who tests unsuccessfully on a Wednesday can call the next day,
TELEPHONE REGISTRATION Thursday, and retest as soon as Friday, depending upon space
availability.) You may schedule online at www.psiexams.com
For telephone registration, you will need a valid credit card or call PSI at (800) 733-9267.
(VISA, MasterCard, American Express or Discover). PSI registrars
are available Monday through Friday between 7:30 am and MISSED APPOINTMENT OR LATE CANCELLATION
10:00 pm, and Saturday-Sunday between 9:00 am and 5:30 pm,
Eastern Time.
If you miss your appointment, you will not be able to take the
examination as scheduled. Further, you will forfeit your
FAX
examination fee, if you:

Complete the PSI registration form (found at the end of this ▪ Do not cancel your appointment 2 days before the
bulletin), including your credit card number and expiration scheduled examination date;
date. Fax the completed form to PSI at (702) 932-2666. Fax ▪ Do not appear for your examination appointment;
registrations are accepted 24 hours a day. ▪ Arrive after examination start time;
▪ Do not present proper identification when you arrive for the
Please allow four (4) business days to process your Fax examination.
Registration. After four (4) business days, you may go online or ▪ Do not have your PLE course certificate(s) or Department
call PSI to schedule the examination. Waiver(s), if required for your examination.
▪ Present an altered PLE course certificate(s) or Department
EMAIL Waiver(s).
EXAMINATION ACCOMMODATIONS
Complete the PSI registration form (found at the end of this
bulletin), including your credit card number and expiration All PSI examination centers are equipped to provide access in
date. Email the completed form to PSI at accordance with the Americans with Disabilities Act (ADA) of
examschedule@psionline.com. Email registrations are 1990, and exam accommodations will be made in meeting a
accepted 24 hours a day. candidate's needs. A candidate with a disability or a candidate
who would otherwise have difficulty taking the examination
Please allow four (4) business days to process your e-mailed must follow the instructions on the Exam Accommodations
Registration. After four (4) business days, you may go online or Request Form at the end of this Candidate Information
call PSI to schedule the examination. Bulletin.

STANDARD MAIL English as a second language: Time and one-half will be

approved if you include a letter from your English instructor or
Complete the PSI registration form (found at the end of this sponsoring company (on letterhead), certifying that English is not
bulletin), and send the form with the appropriate examination your primary language. See the Examination Accommodation
fee to PSI. You can pay fees by VISA, MasterCard, American Request Form found at the end of this Candidate Information
Express, Discover, company check, money order or cashier’s Bulletin.
check, made payable to PSI (personal checks are not
accepted).
Print your name in the memo section of the company check,
money order or cashier’s check so we can ensure the payment
is applied to your registration. CASH IS NOT ACCEPTED.

WWW.PSIEXAMS.COM 5
 EXAMINATION CENTER CLOSING FOR AN EMERGENCY Columbus North
6397 Emerald Pkwy, Suite 150
In the event that severe weather or another emergency forces Dublin, Ohio 43017
the closure of an examination center on a scheduled FROM I-270 W TAKE THE TUTTLE CROSSING BLVD EXIT AND TURN
RIGHT. TURN LEFT ONTO BLAZER PKWY. TURN LEFT ONTO RINGS
examination date, your examination will be rescheduled. PSI
ROAD. TURN LEFT ONTO EMERALD PKWY.
personnel will attempt to contact you in this situation.
However, you may check the status of your examination
Columbus South
schedule by calling (800) 733-9267 or on our website at
6431 Alum Creek Dr, Suite I
www.psiesxams.com. Every effort will be made to reschedule
Groveport, OH 43125
your examination at a convenient time as soon as possible. You IF COMING FROM (CLEVELAND) 270W OR 270S TOWARD CINCINNATI,
will not be penalized. You will be rescheduled at no additional TAKE ALUM CREEK EXIT. TURN RIGHT TOWARD GROVEPORT. TURN
charge. RIGHT AT SPIEGEL DRIVE AND AN IMMEDIATE RIGHT INTO FIRST
PARKING LOT ON RIGHT. IF COMING FROM 270 E OR 270S TOWARD
WHEELING, EXIT ALUM CREEK. TURN LEFT TOWARD GROVEPORT. TURN
EXAMINATION CENTER LOCATIONS RIGHT ON SPIEGEL DR. AND TURN AN IMMEDIATE RIGHT INTO FIRST
PARKING LOT ON RIGHT.
The following directions are generated from the most current
Toledo
mapping services available. However, new road construction
1446 S. Reynolds Road, Suite 201
and highway modifications may result in some discrepancies. If
Maumee, OH 43537
you are not familiar with the specific area of the examination FROM THE NORTH OR SOUTH: TAKE I-75 TO I-475/US 23, BYPASSING
center, please consult a reliable map prior to your test date. DOWNTOWN TOLEDO. FROM THE NORTH, USE EXIT 204; AND FROM THE
SOUTH, USE EXIT 192 TO MERGE ONTO I-475/US 23. TAKE I-475/US 23
Akron TOWARD MAUMEE, AND EXIT AT DUSSEL DRIVE/SALISBURY ROAD (EXIT
Bryden Center 6). DRIVE EAST ON DUSSEL DRIVE, TOWARD MAUMEE.
1815 West Market Street, Suite 101 FROM THE EAST OR WEST: TAKE THE OHIO TURNPIKE TO EXIT 59, THE
Akron, OH 44313 MAUMEE - TOLEDO EXIT. UPON EXITING THE TURNPIKE, DRIVE SOUTH
FROM I-77N MERGE ONTO I-77N VIA EXIT 125B TOWARD ON SOUTH REYNOLDS ROAD (TOWARD MAUMEE) TO DUSSEL DRIVE.
CLEVELAND/DOWNTOWN AKRON. TAKE THE MULL AVE/WHITE POND DR TURN LEFT ON DUSSEL DRIVE.
EXIT 132. TAKE THE WHITE POND DR RAMP. TURN RIGHT ONTO WHITE PSI IS LOCATED ON THE SE CORNER OF DUSSEL DRIVE AND SOUTH
POND DR. TURN RIGHT ONTO MULL AVE. CONTINUE ON MULL AVE, REYNOLDS ROAD, IN THE “RMS” BUILDING. ENTRANCES TO THE
AROUND THE CIRCLE AND TURN RIGHT ONTO N HAWKINS. AT THE PARKING LOT AND BUILDING FACE DUSSEL DRIVE. USE THE CENTER
TRAFFIC LIGHT TURN LEFT ONTO W MARKET ST/OH-18. (MAIN) BUILDING ENTRANCE, AND FROM THE LOBBY TAKE THE
FROM I-71S TOWARD COLUMBUS. TAKE THE OH-18 EXIT 218- TOWARD STAIRS/ELEVATOR TO THE SECOND FLOOR. PSI IS IN SUITE 201.
MEDINA/AKRON. TURN LEFT ONTO MEDINA RD/OH-18 E CONTINUE TO
FOLLOW OH-18 E. Troy
BRAINSEED TESTING CENTER
Cambridge 1100 WAYNE STREET, SUITE 5200
1300 Clark Street, Suite #4 TROY, OH 45373
Cambridge, OH 43725 FROM I-75 SOUTH TAKE THE STATE ROUTE 55 EXIT #73 FOR
FROM I-70E OR I-70 W MERGE ONTO I-77 N VIA EXIT 180B OR TOWARD TROY/LUDLOW FALLS. TURN LEFT AT THE LIGHT AT THE EXIT TOWARDS
CLEVELAND. TAKE THE US 22/EXIT 47 TOWARD CAMBRIDGE TURNING TROY ONTO ST RT 55 (BECOMES WEST MARKET ST). FOLLOW ST RT 55/
LEFT ONTO CADIZ RD/US-22. TURN RIGHT ONTO BRENTON RD. (NEAR MARKET ST TO THE FOURTH LIGHT AFTER THE EXIT. TURN LEFT ONTO
CORPORATION LIMINTS AND MARKED WITH SIGN TO HOSPITAL). TURN RIDGE AVE. CONTINUE TO WAYNE STREET AND TURN LEFT. TURN LEFT
RIGHT ONTO OAKLAND BLVD. CONTINUE THROUGH THE TRAFFIC LIGHT ONTO SUMMIT AVENUE. ENTER THE PARKING LOT ON THE RIGHT
MAKING A SLIGHT RIGHT ONTO CLARK ST. TURN RIGHT INTO THE BEHIND THE LARGER BUILDING THAT USED TO BE STOUDER MEMORIAL
NORTH STAR SHOPPING PLAZA. THE PSI OFFICE IS LOCATED ABOUT HOSPITAL. THE TEST SITE IS ON THE LEFT IN A SMALL BUILDING. FROM
HALFWAY INTO THE SHOPPING PLAZA. I-75 NORTH TAKE THE STATE ROUTE 55 EXIT #73 FOR TROY/LUDLOW
FALLS. TURN RIGHT AT THE LIGHT ONTO ST RT 55 (BECOMES WEST
MARKET ST.). FOLLOW ST RT 55/MARKET TO THE THIRD LIGHT AFTER
Cincinnati
THE EXIT. TURN LEFT ONTO RIDGE AVE. CONTINUE TO WAYNE STREET
4000 EXECUTIVE PARK DR., SUITE 105 AND TURN LEFT. TURN LEFT ONTO SUMMIT AVENUE. ENTER THE
CINCINNATTI, OH 45241 PARKING LOT ON THE RIGHT BEHIND THE LARGER BUILDING THAT USED
FROM I-275 EASTBOUND: TAKE THE US-42 EXIT 46 TOWARD TO BE STOUDER MEMORIAL HOSPITAL. THE TEST SITE IS ON THE LEFT IN
MASON/SHARONVILLE. TURN RIGHT ONTO LEBANON RD/US-42. TURN A SMALL BUILDING. IT IS NOT LOCATED INSIDE THE LARGER BUILDING.
LEFT INTO EXECUTIVE PARK OFFICE COMPLEX.
FROM I-275 WESTBOUND TAKE THE US-42 EXIT 46 TOWARD
SHARONVILLE/MASON. TURN LEFT ONTO LEBANON RD/US-42. TURN
Additionally, PSI has examination centers in many other regions
LEFT INTO EXECUTIVE PARK OFFICE COMPLEX. across the United States. You may take this examination at
any of these locations by following the instructions on the out-
Cleveland of-state request form found at the end of this bulletin. You
7029 PEARL RD, SUITE 320 must be fingerprinted in Ohio.
MIDDLEBURG HEIGHTS, OH 44130
FROM I-71S – TAKE EXIT 235 FOR BAGLEY RD. USE THE LEFT TWO
LANES TO TURN LEFT ONTO BAGLEY RD. TURN LEFT ONTO PEARL RD.
THE OFFICE COMPLEX WILL BE ON THE RIGHT. WE ARE LOCATED IN
SUITE 320.

WWW.PSIEXAMS.COM 6
 - All personal belongings of candidates should be placed in
REPORTING TO THE EXAMINATION CENTER the secure storage provided at each site prior to entering
the examination room. Personal belongings include, but
On the day of the examination, you should arrive 30 minutes are not limited to, the following items:
before your appointment. This extra time is for sign-in, - Electronic devices of any type, including cellular /
identification, and familiarizing you with the examination mobile phones, recording devices, electronic
process. If you arrive late, you may not be admitted to the watches, cameras, pagers, laptop computers, tablet
examination center and you will forfeit your examination computers (e.g., iPads), music players (e.g., iPods),
registration fee. smart watches, radios, or electronic games.
- Bulky or loose clothing or coats that could be used to
REQUIRED IDENTIFICATION conceal recording devices or notes. For security
purposes outerwear such as, but not limited to: open
Candidates must register for the exam with their LEGAL first sweaters, cardigans, shawls, scarves, hoodies, vests,
and last name as it appears on their government issued jackets and coats are not permitted in the testing
identification. Candidates are required to bring two (2) forms room. In the event you are asked to remove the
of valid (non-expired) signature-bearing identification to the outerwear, appropriate attire, such as a shirt or
examination center. If the candidate fails to bring proper blouse should be worn underneath.
identification or the candidate names do not match, the - Hats or headgear not worn for religious reasons or as
candidate will not be allowed to test and their examination fee religious apparel, including hats, baseball caps, or
will not be refunded. visors.
- Other personal items, including purses, notebooks,
PRIMARY IDENTIFICATION (with photo) – Choose one or two reference or reading material, briefcases, backpacks,
 State issued driver’s license wallets, pens, pencils, other writing devices, food,
 State issued identification card drinks, and good luck items.
 State issued INTERIM driver’s license (must also bring ▪ Person(s) accompanying an examination candidate may not
old driver’s license or 3rd form of identification) wait in the examination center, inside the building or on
 State issued INTERIM identification document (must the building's property. This applies to guests of any
also bring old identification card or 3rd form of nature, including drivers, children, friends, family,
identification) colleagues or instructors.
 US Government Issued Passport ▪ No smoking, eating, or drinking is allowed in the
 US Government Issued Military Identification Card examination center.
 US Government Issued Alien Registration Card ▪ During the check in process, all candidates will be asked if
 Canadian Government Issued ID they possess any prohibited items. Candidates may also be
NOTE: ID must contain candidate’s photo, be valid asked to empty their pockets and turn them out for the
and unexpired. proctor to ensure they are empty. The proctor may also
ask candidates to lift up the ends of their sleeves and the
SECONDARY IDENTIFICATION - Must display the candidate’s bottoms of their pant legs to ensure that notes or
name and signature (e.g. debit/credit card, employee ID). recording devices are not being hidden there.
▪ Proctors will also carefully inspect eyeglass frames, tie
PRE-LICENSING EDUCATION CERTIFICATE required: tacks, or any other apparel that could be used to harbor a
 You will be required to present your prelicensing recording device. Proctors will ask to inspect any such
certificate(s) or education waiver(s) in order to test. items in candidates’ pockets.
The certificate(s) must be signed and dated by the ▪ If prohibited items are found during check-in, candidates
provider and candidate. Altered certificates cannot be shall put them in the provided secure storage or return
accepted. Pre-licensing certificates and waivers are these items to their vehicle. PSI will not be responsible for
valid for 180 days beginning on the date of issuance. the security of any personal belongings or prohibited
If you do not provide appropriate prelicensing items.
certificate(s) or education waiver(s) at the ▪ Any candidate possessing prohibited items in the
scheduled time of your exam, you will not be examination room shall immediately have his or her test
allowed to test and your exam fee will be forfeited. results invalidated, and PSI shall notify the examination
sponsor of the occurrence.
▪ Any candidate seen giving or receiving assistance, found
SECURITY PROCEDURES
with unauthorized materials, or who violates any security
regulations will be asked to surrender all examination
The following security procedures apply during examinations:
materials and to leave the examination center. All such
instances will be reported to the Department and you may
- All examinations are closed book.
be denied licensure.
- You will be provided an online calculator. This is the only
▪ Copying or communicating examination content is a
calculator that you may use.
violation of a candidate’s contract with PSI, and federal
- You will be provided a piece of scratch paper and a pencil.
and state law. Either may result in the disqualification of
These must be returned to the proctor at the end of the
examination results and may lead to legal action.
examination.
▪ Once candidates have been seated and the examination
- Candidates may take only approved items into the
begins, they may leave the examination room only to use
examination room.
the restroom, and only after obtaining permission from the
proctor. Candidates will not receive extra time to
complete the examination.

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 TAKING THE EXAMINATION BY COMPUTER REVIEW REQUEST

If you are requesting a response about examination content,

The examination will be administered via computer. You will registration, scheduling or test administration (testing center
be using a mouse and computer keyboard. procedures, equipment, etc.), please send a request in
writing. Your letter must include your name, Social Security
IDENTIFICATION SCREEN number, exam title, date you tested and the details of your
concern, including all relevant facts. Be sure to include your
You will be directed to a semi-private testing station to take signature and return address. Once the request is received,
the examination. When you are seated at the testing station, PSI will respond in 20 days. Mail your letter to:
you will be prompted to confirm your name, identification
number, and the examination for which you are registered. PSI
Attn: OH INSURANCE
TUTORIAL 3210 E Tropicana
Las Vegas, NV 89121
Before you start your examination, an introductory tutorial is
provided on the computer screen. The time you spend on this
tutorial, up to 15 minutes, DOES NOT count as part of your
SCORE REPORTING
examination time. Sample questions are included following the
tutorial so that you may practice answering questions, and Your examination result will be given to you immediately
reviewing your answers. following completion of the examination on the computer
screen. You will also receive a printed score report marked
TEST QUESTION SCREEN “pass” or “fail” along with diagnostic information. Candidates
may use the diagnostic report as a guide for studying before
The “function bar” at the top of the test question screen their next test administration.
provides mouse-click access to the features available while
taking the examination. DUPLICATE SCORE REPORTS

You may request a duplicate score report after your

examination by emailing scorereport@psionline.com or by
calling 800-733-9267.

TIPS FOR PREPARING FOR YOUR LICENSE

EXAMINATION

The following suggestions will help you prepare for your

examination.
▪ Only consider the actual information given in the question,
do not read into the question by considering any
possibilities or exceptions.
▪ Planned preparation increases your likelihood of passing.
One question appears on the screen at a time. During the ▪ Start with a current copy of this Candidate Information
examination, minutes remaining will be displayed at the top of Bulletin and use the examination content outline as the
the screen and updated as you record your answers. basis of your study.
▪ Read study materials that cover all the topics in the
IMPORTANT: After you have entered your responses, you will content outline.
later be able to return to any question(s) and change your ▪ Take notes on what you study. Putting information in
response, provided the examination time has not run out. writing helps you commit it to memory and it is also an
excellent business practice.
EXAMINATION REVIEW ▪ Discuss new terms or concepts as frequently as you can
with colleagues. This will test your understanding and
PSI, in cooperation with the State, will be continually reinforce ideas.
evaluating the examinations being administered to ensure that ▪ Your studies will be most effective if you study frequently,
the examinations accurately measure competency in the for periods of about 45 to 60 minutes. Concentration
required knowledge areas. While taking the examination, tends to wander when you study for longer periods of
examinees will have the opportunity to provide comments on time.
any questions, by clicking on the comments button. Your
comments regarding the questions and the examinations are You can take a practice exam online at www.psiexams.com
welcomed. Comments will be analyzed by PSI examination to prepare for your Ohio Insurance Examination.
development staff. While PSI does not respond to individuals
regarding these comments, all substantive comments are Please note that practice exams are intended only to help
reviewed. If a discrepancy is found during the comment testing candidates become familiar with the general types of
review, PSI and the Department may re-evaluate candidates’ questions that will appear on a licensing examination, and do
results and adjust them accordingly. not contain actual questions that are asked on the exam.
Practice exams ARE NOT a substitute for proper education and

WWW.PSIEXAMS.COM 8
study. Scoring well on the practice exam does not guarantee Prior to beginning the online application process, it may be
that you will pass an actual licensing examination. helpful to review the appropriate license application on ODI’s
website, https://insurance.ohio.gov/wps/portal/gov/odi, so
Note: You may take the practice exams an unlimited number you are prepared to provide all required information when you
of times; however, you will need to pay each time. begin submitting your application electronically, including the
application fee.

Note: The National Insurance Producer Registry (NIPR) charges

EXAMINATION INFORMATION a nominal transaction fee to apply online. This transaction fee
is charged whether you are applying online at the examination
NON-SCORED QUESTIONS center or somewhere else. The application and NIPR
transaction fee must be paid with a credit card, debit card or
Your examination contains non-scored questions. The use of electronic check. Fees cannot be paid by cash or paper check.
such questions is an essential step in developing accurate
future examinations. These questions will NOT be scored and PAPER APPLICATIONS
time to answer them has been added to the time allowed.
The option to apply using a paper application is available on an
STUDY MATERIALS as-needed basis only and the paper licensing process will take
considerably longer than the electronic method. You must
In addition to any pre-licensing education that is required for contact ODI at (614) 644-2665 to request a paper application.
the examination you are taking, you are free to use study The completed application, required licensure fees, and any
materials of your choice to prepare for the examination. other required documentation must then be mailed to ODI.
Neither the ODI nor PSI reviews or approves these study Faxed and emailed applications will not be accepted. Payment
materials. is required with submission of paper application. The Check or
Money Order should be made payable to “State of Ohio
The examination outlines contain a section on Ohio statutes Treasurer.”
and regulations. In addition to general study material, you may
wish to consult the references cited below. After ODI has verified that you have completed any required
These references are generally available at any public or law education requirements, have passed the required examination
library. and that you have met all standards for licensure, ODI will
• Title 39, Ohio Revised Code. issue the appropriate license. The license will list the line or
• Chapter 3901, Ohio Administrative Code. lines of authority. Once a license is issued you will be notified
• Chapter 1751, Ohio Revised Code. via email. You may print a copy of your license by going to
ODI’s website at
You can also access Ohio statutes and insurance regulations https://insurance.ohio.gov/wps/portal/gov/odi and clicking on
through ODI’s website at the “Print my Agent License” button.
https://insurance.ohio.gov/wps/portal/gov/odi.
Applications that are found to contain inaccurate or untruthful
EXAMINATION CONTENT OUTLINES responses may be denied. If a license issued by ODI is based
upon erroneous or untruthful information provided by the
Individual examination content outlines indicating the applicant, the licensee may be subject to a civil penalty (fine)
examination time limit, minimum score required to pass, or administrative action up to, and including, license
subject area and the number of items in each area can be revocation.
found starting on page 11.
Note: By law, ODI cannot complete the processing of your
These outlines are the basis of the examination. Each application until it receives your criminal history background
examination will contain questions about the subjects in its check report from the BCI or FBI.
outline
ODI will contact an applicant if their application cannot be
APPLYING FOR YOUR LICENSE processed for missing information. The applicant must respond
to ODI with the requested information by the date requested,
usually 30 days, or the application will be deemed incomplete.
ELECTRONIC APPLICATIONS All previous fees paid are non-refundable and non-transferable
when an application is deemed incomplete. Once an
Immediately after you pass your examination, you may application is deemed incomplete, a new application must be
complete and submit your license application electronically submitted and fees paid before ODI will continue the review
using the kiosk at the examination center or you may apply process. ODI may grant an extension of time to obtain certain
outside the examination center by going to documents upon request of the applicant.
https://insurance.ohio.gov/wps/portal/gov/odi and clicking on
the blue “Apply or Renew Agent License” button. Fees will Note: Agents are required by law to maintain accurate address,
be collected using a credit card or electronic check payments phone and email addresses on record with ODI. ODI's primary
as part of the application submission process. means of communication with applicants and agents will be in
the form of email.

WWW.PSIEXAMS.COM 9
 CRIMINAL BACKGROUND CHECK CONTINUING EDUCATION REQUIREMENTS
Ohio Revised Code 3905.051 requires all individuals applying for Agents with a continuing education requirement are required
a resident insurance license issued by ODI to submit to obtain all required credits prior to their license expiration
fingerprints for a criminal records check completed by the Ohio date. Agents will not be eligible to renew their insurance
Bureau of Criminal Investigation and Identification (BCI) and license(s) until they have satisfied their continuing education
the Federal Bureau of Investigations (FBI). Criminal requirements.
background check results are valid for 1 year. Applicants
applying for multiple license types that require a background PROPERTY, CASUALTY, PERSONAL LINES, ACCIDENT & HEALTH,
check can utilize the same results so long as the original VARIABLE OR LIFE LICENSEES
background check results are valid.
Persons holding one or more of the above lines of authority are
The Superintendent of Insurance may refuse to issue an required to complete 24 hours of approved continuing
insurance license to an individual who is found to have education, three of which must be approved as ethics specific,
committed any act that is grounds for the denial of a license. prior to renewing their license.
Such acts may include, but are not limited to:
▪ Providing incorrect, misleading, incomplete or TITLE LICENSEES
materially untrue information on a license or
application. Persons holding only a title license need to complete 12 hours
▪ Having been convicted of a felony. of approved continuing education, 10 of which must be
▪ Having been convicted of a misdemeanor related to approved as title-specific and two of which must be approved
the misuse and/or theft of money or property as ethics-specific, prior to renewing their licenses. Persons
belonging to another, fraud, forgery, dishonest acts, holding a title license in addition to a resident agent license
and breach of fiduciary duty and/or crimes of moral must complete 24 hours of approved continuing education, 10
turpitude. of which must be approved as title-specific and three of which
▪ Any other criminal conviction. must be approved as ethics-specific, prior to renewing their
license.
To complete a criminal background check, applicants must use
National WebCheck, a web-based fingerprinting technology SURETY BAIL BOND LICENSEES
that processes background checks electronically. A list of
WebCheck providers approved by ODI is located at Persons holding only a surety bail bond license need to
https://insurance.ohio.gov/wps/portal/gov/odi. complete seven hours of approved continuing education, six of
which must be approved as surety bail bond-specific and one of
REQUIRED ATTACHMENTS FOR CHARGES AND/OR CONVICTIONS which must be approved as ethics-specific, prior to renewing
their license. Persons holding a surety bail bond license in
If additional application documentation is required, documents addition to a resident agent license must complete 24 hours of
can be mailed to ODI using the address found at the beginning approved continuing education, 12 of which must be approved
of this bulletin or downloaded to NIPR’s Attachment Warehouse as surety bail bond- specific and three of which must be
(www.nipr.com). approved as ethics- specific, prior to renewing their license.
These persons will have two different renewal cycles, one for
Note: The Department will contact an applicant when certified the surety bail bond license and one for the resident agent
documents are necessary. Certified documents must be mailed license. Surety bail bond agents will be required to renew their
to ODI. Failure to provide records as requested may delay the surety bail bond license annually by the last day of February.
processing of your application or lead to your application being
dismissed. VIATICAL SETTLEMENT BROKER LICENSEES

SURETY BAIL BOND ID CARD Persons holding only a viatical settlement broker license are
required to complete 15 hours of approved continuing
education specifically related to viatical settlements and
Once you have successfully passed the 11-42 Surety Bail Bonds
viatical transactions. Persons holding a viatical settlement
examination, follow the three steps below to obtain your
broker license in addition to a resident agent license must
Surety Bail Bonds ID card:
complete 24 hours of approved continuing education, 15 of
1. Get official approval from ODI that you have passed all
which must be specifically related to viatical settlements and
requirements and can now be licensed.
viatical transactions and three of which must be approved as
2. Once received, call PSI at (800) 733-9267 and request
ethics specific. These persons will have two different renewal
to order your Surety Bail Bonds ID card. You will need
cycles, one for the viatical settlement broker license and one
to go to a PSI test site to get your photo taken.
for the resident agent license. The initial compliance period for
3. Pay the $20.00 processing fee to have your card
all individuals licensed as a viatical settlement broker shall
shipped, which usually takes 7 to 10 days after PSI
begin on January 1 immediately following the year of licensure
receives payment.
and ends 24 months later on December 31st and shall continue
every 24 months as long as the license is in force.

WWW.PSIEXAMS.COM 10
Note: All required CE credits must be completed before an RENEWAL REMINDER NOTIFICATION
agent submits a license renewal application to ODI. Credits
must be posted on the licensee’s record with ODI before a At least 30 days prior to an agent’s license expiration date, ODI
license can be renewed. will send a reminder notice to each agent’s mailing address.
Regardless of the reminder notice being received, all agents
CONTINUING EDUCATION EXEMPTIONS are responsible for renewing their license(s) by their license
expiration date.
The following classes of agents are exempt from continuing
education requirements: NON-RENEWAL CONSEQUENCES
▪ Persons holding a limited authority license and do not
hold a license type requiring continuing education. The consequences associated with the non-renewal of a
▪ Nonresident agents in compliance with the continuing Limited Line, Major Line, Surety Bail bond, Title & Title
education requirements of their home state, except Insurance Marketing Representative License include the
for non-resident Viatical Settlement Brokers. following:
▪ Persons granted inactive status by ODI and their
license status is currently inactive “By Agent One month late period:
Request”. If agents do not renew their license by their license expiration
date, they will have a one month late period to submit an
application, provided they have satisfied any continuing
LICENSE RENEWAL PROCESS education requirement they may have. In addition to the
renewal fee (if required), the agent will be required to pay a
All Ohio insurance agents who hold a major line, limited line $50 late fee. Please note, during the one month late period, an
and/or title insurance license are required to renew their agent’s license will remain active.
license(s) every two years by the last date of their birth month.
Surety Bail Bond agents are required to renew annually by the If the license is not renewed during that one month late
last day of February. Agents with a continuing education period, the license will be suspended and all company
requirement are required to obtain all required credits prior to appointments will be terminated.
their license expiration date and PRIOR to submitting a license
renewal application. Note: Once a license has been suspended, an agent is to cease
all insurance activities as he/she is no longer eligible to sell,
ODI encourages all agents to verify their license expiration solicit or negotiate insurance in Ohio.
date, license status and address using the “Agent/Agency
Locator” on ODI’s website, License suspension/reinstatement information:
https://insurance.ohio.gov/wps/portal/gov/odi. Agents are A license suspended for non-renewal can be reinstated within
responsible for informing ODI of any address, email or phone one year of the original license expiration date. In order for a
number change within 30 days of such change. Agents can license to be reinstated, the individual must satisfy the terms
change their contact information electronically through of his/her continuing education requirement (if required),
www.nipr.com or by completing a change of address form submit a renewal application, and remit all applicable fees. In
(INS3241) which is available on ODI’s website addition to the renewal fee (if required), a $100 reinstatement
(https://insurance.ohio.gov/wps/portal/gov/odi) under “ODI fee must be paid to reinstate the license.
Forms”.
During the one-year license reinstatement period, suspended
In order to renew a Major Line, Limited Line, Title, Title agents are not eligible to apply for a new license.
Marketing Representative or Surety Bail Bond insurance license,
all agents, on or before their license expiration date, must Additionally, individuals who do not reinstate a suspended
submit a National Insurance Producer Registry (NIPR) Renewal license within one year of their original license expiration date
Application. The renewal application and step-by-step will be required to go through the agent licensing process as a
instructions regarding the renewal process can be found by new agent.
clicking the “Apply or Renew Agent License” button on ODI’s
Web site (https://insurance.ohio.gov/wps/portal/gov/odi). LICENSE SURRENDER OPTION
Please be advised that NIPR charges a nominal application
processing fee that is in addition to any license renewal fee. If a licensed Ohio insurance agent no longer wishes to maintain
Renewal applications may be submitted up to 90 days prior to his/her license(s), he/she may surrender his/her license(s) so
an agent’s license expiration date. Agents must satisfy all long as he/she is in good standing with the Superintendent of
continuing education requirements prior to submitting their Insurance. The request to surrender a license (INS3240) can be
renewal application. obtained from ODI’s website
https://insurance.ohio.gov/wps/portal/gov/odi under ODI
While a $25 renewal fee is required to be paid by all Limited forms. All surrender requests must be received by ODI prior to
Line and Non-Resident agents, the renewal fee is waived for all the license expiration date. Once a license has been
Resident agents with a continuing education requirement. surrendered, an individual will need to apply as a new agent if
Agents will not be eligible to renew their insurance license(s) he/she wishes to obtain a new license. New license
until they have satisfied their continuing education requirements include the completion of pre-licensing
requirement. education, examination and completion of a State and Federal
criminal background check.

WWW.PSIEXAMS.COM 11
 LICENSE INACTIVATION OPTION Persons granted inactive status may request to reactivate their
license after they have been inactive for two or more years by
A Ohio resident agent who holds an active resident major line, completing the required number continuing education hours
surety bail bond or title license may inactivate a license as long and submitting the reactivation form (INS3236) along with the
as the person in good standing with the superintendent, required reactivation fees. Persons granted inactive status
compliant with continuing education requirements, and will that want to reactivate their license less than two years from
not be engaging in, participating in or assisting with any inactivation will need to apply as a new agent. New license
activity for which an agent’s license is required for at least the requirements include the completion of pre-licensing
next 24 months. The request to inactivate a license (INS3235) education, examination and completion of a State and Federal
can be obtained from ODI’s website. criminal background check.
https://insurance.ohio.gov/wps/portal/gov/odi under ODI
forms. The inactivation request must be received by the
Department prior to the license expiration date. Any requests
received after the license expiration date will be returned.
Once a license has been inactivated, all appointments held by
the agent will be cancelled as of the date the inactive status
was granted.

EXAMINATION CONTENT OUTLINES

Following are the individual examination content outlines indicating the examination time limit and subject area and the number of
items in each area. The minimum passing score is 70%.

These outlines are the basis of the examination. Each examination will contain questions about the subjects in its outline.

OHIO LIFE, ACCIDENT AND HEALTH INSURANCE AGENT Failure to provide department with a written response
SERIES 11-35 (3905.14(B)(21))
Penalties and fines for violations (3901.22(D), (F), 3905.14(B),
150 questions – 2.5 Hours (D), (H), .99))
Cease and desist orders (3901.221; 3905.14(G), 3901.22(D))
1.0 Insurance Regulation 10%
Civil
1.1 Licensing
Criminal
Maintenance and duration (3905.06, .16; 3901-5-09)
Hearings (3901.22; 3905.14(C); ORC 119)
Requirements (3905.02, .04, .05, .051, .06; 3901-5-09)
Consent/Settlement agreements (3901.22(G))
Resident/nonresident (3905.06, .061, .07, .071)
1.2 State regulation
Change in name, address, email, telephone number (3905.061,
3905.071; 3901-5-09) Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
Renewal/nonrenewal (3905.06; 3901-5-09(J)) Negotiate, sell, solicit (3905.01, .02)
Temporary license (3905.09) Director's general duties and powers (3901.01, 3901.011, .04, .041;
3905.12)
Duty to report criminal convictions and administrative disciplinary
actions (3905.22) Company regulation

Assumed business names (3905.11) Certificate of authority (3907.08; 3909.01, .08, 3925.11,
3927.01))
Continuing education including exemptions and penalties
(3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7)) Insolvency (3903.01(O))

Inactivity due to military service (3905.06(G)); 3901-5-09(J)) Policy forms/rates/exceptions (3915.051; 3918.08; 3935.04;
3923.02, 3923.021; 1751.11, 1751.12)
Inactivity due to extenuating circumstances (3905.06(G); 3901-5-
09(J)) Financial requirements (3901-1-50; 3901-3-04; 3907.05, 3929.011)

Disciplinary actions (3905.14) Agent regulation

License denial, probation, surrender, suspension, revocation, or Commissions, compensations, fees (3905.18; 3905.181; 3901-5-
refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5- 09(N), 3905.55)
12)
Reporting of felony and crimes of moral turpitude (3905.14 (B)(6),
Failure to pay taxes (3905.14(B)(14)) (B)(7), .22)
Failure to appear for an interview (3905.14(B)(22)) Policy/application signature (3905.14(B)(11), (26))

Appointment procedures

WWW.PSIEXAMS.COM 12
 Agent appointment (3905.20; 3901-5-09(K)) Indemnity/pay on behalf of

Cancellation of appointment (3905.16(B)(1)) 2.2 Insurers

Termination notification (3905.21) Types of insurers

Unfair trade and claims settlement practices (3901.19-.26; Stock companies
3901-1-07; 3901-1-54))
Rebating (3911.20; 3933.01; 3999.05) Mutual companies

Premium refunds and other incentives (3905.14(B)(32); 3999.05, Fraternal benefit societies
Bulletin 2009-13)
Reciprocals
False advertising (3901.21(B), (D), .24; 3905.43; 3999.10, .11)
Lloyd's associations
Misrepresentation (3901.21(A),(B); 3905.14(B)(5); 3999.08)
Risk retention groups
Defamation of insurer (3901.21(C ); 3999.09)
Surplus lines
Unfair discrimination (3901.21; 3911.16-.19)
Authorized/admitted versus unauthorized/nonadmitted insurers
Illegal inducements (3933.01; 3999.05, 3901.21(G), 3911.20,
Bulletin 2009-13) Domestic, foreign and alien insurers

General grounds for disciplinary action (3905.14(B)) Financial solvency status (e.g., A.M. Best, Standard and Poor's,
Moody's, NAIC)
Examination of books and records (3901.04, .07)
Marketing (distribution) systems
Insurance fraud regulation (3999.21, .31, .37, .41, .42; ORC
2913.47, 3901.44) 2.3 Agent and general rules of agency
Insurance information privacy (3901.44; 3904.01 (R); 3904.04, Insurer as principal
3904.14, 3965.01-.11)
Consumer information/fees (3905.55; 3901-6-04; 3905.181) Agent/insurer relationship

1.3 Federal regulation Authority and powers of agents

Fair Credit Reporting Act (15 USC 1681–1681d) Express

Fraud and false statements including 1033 waiver (18 USC 1033, Implied
1034)
Apparent
Other federal regulations (e.g., Do Not Call List)
(https://www.donotcall.gov/) Responsibilities to the applicant/insured

2.0 General Insurance 5% 2.4 Contracts

2.1 Concepts Elements of a legal contract

Risk management key terms Offer and acceptance

Risk Consideration

Exposure Competent parties

Hazard Legal purpose

Peril Distinct characteristics of an insurance contract

Loss Contract of adhesion

Methods of handling risk Aleatory contract

Avoidance Personal contract

Retention Unilateral contract

Sharing Conditional contract

Reduction Legal interpretations affecting contracts

Transfer Ambiguities in a contract of adhesion

Elements of insurable risks Reasonable expectations

Adverse selection Indemnity

Law of large numbers Utmost good faith

Reinsurance Representations/misrepresentations

WWW.PSIEXAMS.COM 13
 Warranties Universal Life

Concealment 3.7 Premiums

Fraud Factors in premium determination

Waiver and estoppel Mortality

3.0 Life Insurance Basics 8% Interest

3.1 Insurable interest (3911.091,.11) Expense

3.2 Personal uses of life insurance Premium Concepts

Survivor protection Net single premium

Estate creation Gross annual premium

Cash accumulation Premium payment mode

Liquidity 3.8 Agent responsibilities

Estate conservation Solicitation, sales presentations, and disclosure requirements (3901-

6-01, 03)
3.3 Determining amount of personal life insurance
Advertising
Human life value approach Life and Health Insurance Guaranty Association (3956.04, .06, .18;
3901-1-52)
Needs approach
Backdating of policies (3915.13)
Types of information gathered
Illustrations (3901-6-04))
Determining lump-sum needs
Policy summary (3901-6-03(D)(6))
Planning for income needs
Buyer's guide (3901-6-03(D)(1))
3.4 Business uses of life insurance
Life insurance policy cost comparison methods
Buy-sell funding
Replacement (3901-6-05)
Key person
Use and disclosure of insurance information
Executive bonuses
Post Application Consumer Review
3.5 Viatical settlements (Chapter 3916)
Field underwriting
Nature and purpose
Notice of information practices
General rules
Application procedures
Viatical settlement broker authority and licensing (3916.02)
Delivery
Disciplinary actions (3916.15)
Policy review
Promoting purchase for purpose of selling (3916.16)
Effective date of coverage
Advertisements (3916.17)
Premium collection
Definitions (3916.01)
Statement of good health
Viatical settlement broker (3916.01(N), .02, .03, .04)
3.9 Individual underwriting by the insurer
Viatical settlement provider (3916.01(P), .07)
Information sources and regulation (3904)
Viatical settlement contract (3916.01(O), 3916.08)
Application
Stranger Originated Life Insurance (Stoli) (3916.05(B); 3901-9-04)
Agent report
Viator (3916.01(R))
Attending physician statement
3.6 Classes of life insurance policies
Investigative consumer (inspection) report
Group versus individual
Medical Information Bureau (MIB)
Ordinary versus industrial (home service)
Medical examinations and lab tests including HIV (3901.46(A),
Permanent versus term (B)(1))
Participating versus nonparticipating Selection criteria

Fixed versus variable life insurance and annuities Classification of risks

WWW.PSIEXAMS.COM 14
 Preferred Designation options

Standard Individuals

Substandard Classes

Declined Estates

4.0 Life Insurance Policies 7% Minors

4.1 Term life insurance Trusts

Level term Beneficiary Revocation (5815.33)

Annual renewable term Succession

Level premium term Revocable versus irrevocable

Decreasing term Common disaster clause

4.2 Whole life insurance Spendthrift clause

Continuous premium (straight life) 5.3 Settlement options

Limited payment Cash payment

Single premium Interest only

4.3 Flexible premium policies Fixed-period installments

Adjustable life Fixed-amount installments

Universal life Life income

4.4 Specialized policies Single life

Joint life (first-to-die) Joint and survivor

Survivorship life (second-to-die) 5.4 Nonforfeiture options

Juvenile life Cash surrender value

4.5 Group life insurance Extended term

Characteristics of group plans Reduced paid-up insurance

Types of plan sponsors 5.5 Policy loan and withdrawal options

Group underwriting requirements Cash loans

Conversion to individual policy (3917.06(H), (I)) Automatic premium loans

4.6 Credit life insurance (individual versus group) Withdrawals or partial surrenders

5.0 Life Insurance Policy Provisions, Options and Riders 9% 5.6 Dividend options

Cash payment
5.1 Standard provisions (3915.05)
Reduction of premium payments
Entire contract (C)
Accumulation at interest
Payment of premiums (A)
One-year term option
Grace period (B)
Paid-up additions
Reinstatement (J)
Paid-up insurance
Misstatement of age (E)
5.7 Disability riders
Payment of claims (K)
Waiver of premium
Exclusions
Waiver of cost of insurance
Statement of the insured (D)
Disability income benefit
Incontestability ((C), 3911.07)
Payor benefit life/disability (juvenile insurance)
Prohibited provisions (3915.09)
5.8 Living benefit provisions/riders (3915.21-.24, 3923.44(K), (L);
Modifications (3915.12) 3901-6-06)
5.2 Beneficiaries (3905.14 (B)(19), (20), 3911.09, .10, .13, .14)

WWW.PSIEXAMS.COM 15
 Accelerated benefit (terminal illness) Individual retirement plans

Long-term care Tax-deferred growth

5.9 Riders covering additional insureds Retirement income

Spouse/other-insured term rider Education funds

Children's term rider 7.0 Federal Tax Considerations for Life Insurance and Annuities 8%
Family term rider
7.1 Taxation of personal life insurance
5.10 Riders affecting the death benefit amount
Amounts available to policy owner
Accidental death
Cash value increases
Guaranteed insurability
Dividends
Cost of living
Policy loans
Return of premium
Surrenders
6.0 Annuities 5%
Amounts received by beneficiary
6.1 Annuity principles and concepts
General rule and exceptions
Accumulation period versus annuity period
Settlement options
Owner, annuitant and beneficiary
Values included in insured's estate
Insurance aspects of annuities
7.2 Modified endowment contracts (MECs)
Suitability requirements (3901-6-13)
Modified endowment versus life insurance
6.2 Immediate versus deferred annuities
Seven-pay test
Single premium immediate annuities (SPIAs)
Distributions
Deferred annuities
7.3 Taxation of non-qualified annuities
Premium payment options
Individually-owned
Nonforfeiture
Accumulation phase (taxation issues related to withdrawals)
Surrender charges
Annuity phase and the exclusion ratio
Death benefits
Distributions at death
6.3 Annuity (benefit) payment options
Corporate-owned
Life contingency options
7.4 Taxation of individual retirement plans
Pure life versus life with guaranteed minimum
Traditional IRAs
Single life versus multiple life
Contributions and deductible amounts
Annuities certain (types)
Premature distributions (including taxation issues)
6.4 Fixed Annuities
Annuity phase benefit payments
General account assets
Values included in the annuitant's estate
Interest rate guarantees (minimum versus current)
Amounts received by beneficiary
Level benefit payment amount
Roth IRAs
6.5 Specialty annuity products
Contributions and limits
Equity indexed annuities
Distributions
Market value adjusted annuities
7.5 Rollovers and transfers (IRAs and qualified plans)
6.6 Uses of annuities
7.6 Section 1035 exchanges
Lump-sum settlements
8.0 Accident and Health Insurance Basics 8%
Qualified retirement plans
8.1 Definitions of perils
Group versus individual annuities
Accidental injury
Personal uses

WWW.PSIEXAMS.COM 16
 Sickness Life and Health Insurance Guaranty Association (3956.04, .06, .18;
3901-1-52)
8.2 Principal types of losses and benefits
Sales presentations
Loss of income from disability
Outline of coverage
Medical expense
Common situation for omission/errors
Dental expense
Field underwriting
Vision expense
Nature and purpose
Long-term/home health care expense
Disclosure of information about individuals
8.3 Classes of health insurance policies
Application procedures
Individual versus group
Requirements at delivery of policy
Private versus government
Employee waiver form
Limited versus comprehensive
Medicare Marketing Rules for Center for Medicare and Medicaid
Self-funded/ERISA Services (CMS) & Ohio

Employee association 8.7 Individual underwriting by the insurer

8.4 Limited policies Criteria

Limited perils and amounts Unfair discrimination (3923.15; 3901.21)

Required notice to insured Genetic testing (3901.491, .501)

Types of limited policies Sources of underwriting information (3904; 3901.21(M))

Accident-only Application

Specified (dread) disease Agent report

Hospital indemnity (income) Attending physician statement

Credit disability Investigative consumer (inspection) report

Blanket insurance (teams, passengers, other) (3923.13) Medical Information Bureau (MIB)

Prescription drugs Medical examinations and lab tests (including HIV consent)
(3901.46(A), (B)(1))
Vision care
Classification of risks
Critical illness
Preferred
Dental
Standard
Hearing
Substandard
Group supplemental
Declined
Travel
8.8 Considerations in replacing accident and health insurance
Short-term major medical
Waiting period
Medicare supplement & Part D (OAC 3901-8-08)
State requirements
8.5 Common exclusions from coverage
Benefits, limitations and exclusions
War or act of war
Underwriting requirements
Elective cosmetic surgery
Agent liability for errors and omissions
Workers' compensation
9.0 Individual Accident and Health Insurance Policy General
Commission or attempt of a felony Provisions 5%
9.1 Standard provisions (3923.04)
State child health program
Entire contract; changes (A)
8.6 Agent responsibilities in individual health insurance
Time limit on certain defenses (B)
Marketing requirements
Grace period (C)
Advertising
Reinstatement (D)

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 Claim procedures (E-I) Coordination with social insurance and workers' compensation
benefits
Physical examinations and autopsy (J)
Additional monthly benefit (AMB)
Legal actions (K)
Social insurance supplement (SIS)
Change of beneficiary (L)
Occupational versus non-occupational coverage, eligibility and
Cancellation by insured (M) benefits

9.2 Optional provisions (3923.05) At-work benefits

Change of occupation (A) Partial disability benefit

Misstatement of age (B) Residual disability benefit

Other insurance in this insurer (C) Other provisions affecting income benefits

Insurance with other insurers Cost of living adjustment (COLA) rider

Expense-incurred benefits (D) Future increase option (FIO) rider

Other than expense-incurred basis (E) Other cash benefits

Unpaid premium (G) Accidental death and dismemberment

Conformity with state statutes (H) Rehabilitation benefit

Illegal occupation (I) Medical reimbursement benefit (non-disabling injury)

9.3 Other general provisions Benefit and Refund provisions

Right to examine (free look) (3923.31) Return of premium

Insuring clause Cost of living adjustment

Consideration clause Future increase option

Subrogation (2323.44) Relation of earnings to insurance

Renewability clause Annual renewable term

Non-cancelable Change of occupation

Guaranteed renewable Cash surrender value

Conditionally renewable Exclusions

Renewable at option of insurer 10.3 Unique aspects of individual disability underwriting

Nonrenewable (cancelable, term) Occupational considerations

10.0 Disability Income and Related Insurance 5% Benefit limits

10.1 Qualifying for disability benefits Policy issuance alternatives

Inability to perform duties 10.4 Group disability income insurance

Own occupation Group versus individual plans

Any occupation Short-term disability (STD)

Pure loss of income (income replacement contracts) Long-term disability (LTD)

Presumptive disability 10.5 Business disability insurance

Requirement to be under physician care Key person disability income

State minimum benefit standards and exclusions Business overhead expense policy

10.2 Individual disability income insurance Disability buy-sell policy

Basic total disability plan Reducing term

Income benefits (monthly indemnity) 10.6 Social Security disability

Elimination and benefit periods Qualification for disability benefits

Waiver of premium feature Definition of disability

Waiting period

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 Disability income benefits Prior authorization procedures (3923.041, 1751.72)

10.7 Workers' compensation 11.4 Ohio requirements (individual and group)

Eligibility Eligibility requirements

Benefits Dependent child coverage (3923.24, .56; 1751.14, 3923.241)

11.0 Medical Plans 6% Newborn child coverage (3923.26; 1751.61)

11.1 Medical plan concepts Coverage of adopted children (3923.40; 3924.51; 1751.59)

Fee-for-service basis versus prepaid basis Enrollment

Specified coverages versus comprehensive care Special Enrollment Period

Benefit schedule versus usual/reasonable/customary charges Non-custodial parent

Any provider versus limited choice of providers Grandchildren

Insureds versus subscribers/participants Immunizations

11.2 Types of providers and plans Physically/mentally handicapped coverage

Major medical insurance (indemnity plans) Women's benefits

Characteristics Cytologic screening and mammography (3923.52; 1751.62)

Common limitations Infertility

Exclusions from coverage Maternity

Provisions affecting cost to insured Postpartum

Health insuring corporations (HICs)(formerly known as health Coordination of benefits provision

maintenance organizations)
11.5 HIPAA (Health Insurance Portability and Accountability Act)
Preferred provider organizations (PPOs) requirements

General characteristics Eligibility

In and out of network Privacy

Types of parties to the provider contract Guaranteed issue

Point-of-service (POS) plans Renewability

Nature and purpose Mental health parity

Out-of-network provider access Security provisions

11.6 Health Savings Accounts (HSAs) and Flexible Spending
PCP referral (gatekeeper PPO)
Accounts (FSAs)
Indemnity plan features Definition
HIC plan features Eligibility
Consumer Driver Plans Contribution limits
Ohio Children's Health Insurance Program (5160; 5161)
11.7 PPACA (Patient Protection and Affordable Care Act)
11.3 Cost containment in health care delivery
Adverse benefit determination (3922.01-.23)
Cost-saving services
Rollout schedule
Preventive care
Employer compliance
Hospital outpatient benefits
Department of labor audits
Alternatives to hospital services
Types of plans
Utilization management reviews
Enrollment periods
Prospective review
Healthcare.gov versus private plans
Concurrent review
Statement of benefits, coverages and uniform glossary
Retrospective
12.0 Health Insuring Corporations (HICs) 5%
Grievance procedures
12.1 General characteristics

WWW.PSIEXAMS.COM 19
 Combined health care delivery and financing 13.1 Characteristics of group insurance

Structure and providers Group contract

Limited service area Certificate of coverage

Limited choice of providers Experience rating versus community rating

Gatekeeper concept/Primary care physician versus referral 13.2 Types of eligible groups
(specialty) physician
Copayments Employment-related groups

Prepaid basis Individual employer groups

12.2 HIC services (1751.01) Multiple-Employer Trusts (METs) or Welfare Arrangements

(MEWAs) (Chapter 1739)
Basic health services (1751.01 (A))
Associations
Preventive care services
Blanket (3923.13)
Physician services
Students health plans
Emergency care
Customer groups (depositors, creditor-debtor, other)
Urgent care
13.3 Marketing considerations
Hospital services
Advertising
Outpatient services
Regulatory jurisdiction/place of delivery
Diagnostic services
Disclosure form
Cancer clinical trials
13.4 Employer group health insurance
Supplemental health care services (1751.01(B)
Insurer underwriting criteria
Intermediate or long-term care facilities
Characteristics of group
Dental care
Nondiscrimination
Vision care
Plan design factors
Podiatric care
Contributory/non-contributory
Mental health services
Persistency factors
Alcohol and drug abuse treatment
Administrative capability
Home health services
State requirements
Prescription drug services
Eligibility for coverage
Nursing services
Annual open enrollment
Physical therapy
Part-time employees
Chiropractic services
Dependent, spousal eligibility
Specialty Health Care Services (1751.01 (C))
Domestic partners/civil unions
12.3 HIC certification and regulation
Coordination of benefits provision
Solicitation documents (1751.31)
Change of insurance companies or loss of coverage
Advertising (1751.20)
Coinsurance and deductible carryover
Confidentiality of medical and health information (1751.52)
No-loss no-gain
Contractual plan
Events that terminate coverage
Evidence of coverage (1751.11, .33)
Extension of benefits
Benefits and exclusions Continuation of coverage under COBRA 29 USC1161 and Ohio-
specific rules (3923.38)
Open enrollment provision
Cancellation or nonrenewal
Member rights (1751.18)
Reinstatement for military personal
Renewal (1751.18)
13.5 Small employer medical plans
13.0 Group Accident and Health Insurance 5%

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 Definition of small employer (3924.01(N)) Part A — Hospital Insurance

Eligibility of employees (3924.01(G)) Individual eligibility requirements

Open/late enrollment (3924.01(I)) Enrollment

Service waiting period (3924.01(M) Coverages and cost-sharing amounts

Guaranteed issue (3924.03(E)) Exclusions

Renewability (3924.03(B)) Part B — Medical Insurance

Premium rates (3924.04) Individual eligibility requirements

Disclosure rules (3924.033) Enrollment

14.0 Dental Care Plans 2% Coverages and cost-sharing amounts

14.1 Categories of dental treatment Exclusions

Diagnostic and preventive Claims terminology and other key terms

Restorative Part C — Medicare Advantage

Oral surgery Part D — Prescription Drug Insurance

Endodontics Eligibility for Part D coverage

Periodontics 15.2 Part C — Medicare Advantage

Prosthodontics Nature, financing, administration and terminology

Orthodontics Eligibility Requirements

14.2 Indemnity plans Enrollment timelines

Choice of providers Plan types and definitions

Network versus out-of-network Coverages and cost-sharing amounts

Scheduled versus nonscheduled plans Supplemental Benefits

Deductibles Exclusions/limitations

Coinsurance 15.3 Part D — Prescription Drug Insurance

Exclusions, limitations Nature, financing, administration and terminology

Benefit categories Eligibility and enrollment

Diagnostic/preventive services Coverage, formulary, tiering, exceptions/appeals

Basic services Cost Sharing, premium, deductible, coverage gap, catastrophic

Major services Low Income Subsidy

Deductibles and coinsurance Late enrollment penalty

Combination plans Limitations- Prior auth, step therapy, quantity limits

Exclusions Preferred, network pharmacies

Limitations 15.4 Medicare supplements; 3923.33,

.338.331-.336; OAC 3901-8-08 Amended, including Appendix
Predetermination of benefits C and D)

14.3 Employer group dental expense Purpose

Integrated deductibles versus stand-alone plans Open enrollment

Minimizing adverse selection Solicitation of Medicare supplements (3901-8-09)

Stand-alone plans Standardization Medicare supplement plans

15.0 Insurance for Senior Citizens and Special Needs Individuals 8% Core benefits

Additional benefits
15.1 Medicare
Ohio regulations and required provisions
Nature, financing, administration and terminology
Standards for marketing

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 Certification requirements Ohio regulations and required provisions

Advertising Standards for marketing (3901-4-01(V))

Appropriateness of recommended purchase and excessive Advertising (3901-4-01(U))
insurance
Appropriateness of recommended purchase (3901-4-01(W))
Outline of coverage
Inflation protection (3901-4-01(M))
Right to return (free look)
Replacement (3901-4-01 (N)))
Replacement
Unintentional lapse (3901-4-01(G))
Required disclosure provisions
Outline of coverage (3901-4-01, (DD); 3923.44(I))
Permitted compensation arrangements
Shopper's guide (3901-4-01(EE))
Notice of change
Pre-existing conditions (3923.44(B)(4)(5), (D))
Guaranteed issue
16.0 Federal Tax Considerations for Accident and Health Insurance
Medicare SELECT 4%
15.5 Other options for individuals with Medicare 16.1 Personally-owned health insurance

Employer group health plans Disability income insurance

Disabled employees Benefits subject to FICA

Employees with kidney failure Medical expense insurance

Individuals age 65 or older Long-term care insurance

Connector Models 16.2 Employer group health insurance

Medicaid Disability income (STD, LTD)

Eligibility Benefits subject to FICA

Benefits Medical, dental and vision expense

Differences Long-term care insurance

15.6 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- Accidental death and dismemberment
.50)
16.3 Medical expense coverage for sole proprietors and partners
LTC, Medicare and Medicaid compared
16.4 Business disability insurance
Eligibility for benefits
Key person disability income
Levels of care
Buy-sell policy
Skilled care
16.5 Medical Savings Accounts (MSAs) and Health savings accounts
Intermediate care (HSAs)

Custodial care 16.6 Health Reimbursement Accounts (HRAs)

Home health care

Adult day care OHIO PROPERTY AND CASUALTY INSURANCE AGENT

SERIES 11-36
Respite care

Assisted living 150 questions – 2.5 Hours

Benefit periods
1.0 Insurance Regulation 10%
Benefit amounts
1.1 Licensing
Optional benefits
Maintenance and duration (3905.06, .16; 3901-5-09)
Guarantee of insurability
Requirements (3905.02, .04, .05, .051, .06; 3901-5-09)
Return of premium
Resident/nonresident (3905.06, .061, .07, .071)
Qualified LTC plans
Change in name, address, email, telephone number (3905.061,
Exclusions 3905.071; 3901-5-09)

Renewal/nonrenewal (3905.06; 3901-5-09(J))

Underwriting considerations

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 Temporary license (3905.09) Rebating (3933.01; 3999.05)

Duty to report criminal convictions and administrative Premium refunds and other incentives (3905.14(B)(32); 3999.05,
disciplinary actions (3905.22) Bulletin 2009-13)

Assumed business names (3905.11) False advertising (3901.21 (A), (B), (D), .24; 3905.43; 3999.10,
.11)
Continuing education including exemptions and penalties Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
(3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
Defamation of insurer (3901.21(C ); 3999.09)
Inactivity due to military service (3905.06(G)); 3901-5-09(J))
Unfair discrimination (3901.21(L), (M))
Inactivity due to extenuating circumstances (3905.06(G); 3901-
5-09(J)) Illegal inducements (3933.01;Bulletin 2009-13)
Disciplinary actions (3905.14) General grounds for disciplinary action (3905.14(B))
License denial, probation, surrender, suspension, revocation, or
refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901- Examination of books and records (3901.04, .07)
5-12)
Insurance fraud regulation (3999.21, .31, .37, .41, .42;
Failure to pay taxes (3905.14(B)(14)) 2913.47, 3901.44)
Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14,
Failure to appear for an interview (3905.14(B)(22))
3965.01-11)
Failure to provide department with a written response Consumer information/fees (3905.55; 3905.181)
(3905.14(B)(21))
1.3 Federal regulation
Penalties and fines for violations (3901.22(D), (F), 3905.14(B),
(D), (H), .99) Fair Credit Reporting Act (15 USC 1681–1681d)
Cease and desist orders (3901.221; 3905.14(G), 3901.22(D)) Fraud and false statements including 1033 waiver (18 USC 1033,
1034)
Civil
Other federal regulations (e.g., Do Not Call List)
Criminal (https://www.donotcall.gov/)
Hearings (3901.22; 3905.14(C); ORC 119) 2.0 General Insurance 9%
Consent/Settlement agreements (3901.22(G)) 2.1 Concepts
1.2 State regulation Risk management key terms
Acts constituting insurance transactions (3901.17; 3905.02, 3905.42) Risk
Negotiate, sell, solicit (3905.01, .02) Exposure
Director's general duties and powers (3901.01, 3901.011, .04, .041;
Hazard
3905.12)
Company regulation Peril

Certificate of authority (3925.11, 3927.01, 3929.01) Loss

Insolvency (3903.01(O)) Methods of handling risk

Policy forms/rates/exceptions (3935.04; Avoidance

3937.03)
Retention
Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07,
3929.11) Sharing
Unfair trade and claims settlement practices (3901.19-26; 3901-1- Reduction
07; 3901-1-54))
Transfer
Agent regulation
Elements of insurable risks
Commissions, compensations, fees (3905.18, .181; 3901-5-09(N),
3905.55) Adverse selection
Reporting of felony and crimes of moral turpitude (3905.14,
(B)(6), (B)(7), .22) Law of large numbers

Policy/application signature (3905.14(B)(11), (26)) Reinsurance

Appointment procedures Indemnity/pay on behalf of

Agent appointment (3905.20; 3901-5-09(K)) 2.2 Insurers

Cancellation of appointment (3905.16(B)(1)) Types of insurers

Termination notification (3905.21) Stock companies

Unfair insurance trade practices (3901.20, .21) Mutual companies

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 Fraternal benefit societies 3.1 Principles and concepts

Reciprocals Insurable interest

Lloyd's associations Underwriting

Risk retention groups Credit scores

Surplus lines Loss ratio

Authorized/admitted versus unauthorized/non-admitted insurers Rates

Domestic, foreign and alien insurers Types

Financial solvency status (e.g., A.M. Best, Standard and Poor's, Loss costs
Moody's, NAIC)
Components
Marketing (distribution) systems
Hazards
2.3 Agent and general rules of agency
Physical
Insurer as principal
Moral
Agent/insurer relationship
Morale
Authority and powers of agents
Negligence
Express
Elements of a negligent act
Implied
Defenses against negligence
Apparent
Damages
Responsibilities to the applicant/insured
Compensatory — special versus general
2.4 Contracts
Punitive
Elements of a legal contract
Types of liability
Offer and acceptance
Absolute
Consideration
Strict
Competent parties
Vicarious
Legal purpose
Causes of loss (perils)
Distinct characteristics of an insurance contract
Direct loss
Contract of adhesion
Consequential loss
Aleatory contract
Indirect loss
Personal contract
Named perils versus special (open) perils
Unilateral contract
Blanket versus specific insurance
Conditional contract
Basic types of construction
Legal interpretations affecting contracts
Loss valuation
Ambiguities in a contract of adhesion
Actual cash value
Reasonable expectations
Replacement cost
Indemnity
Functional replacement cost
Utmost good faith
Market/agreed value
Representations/misrepresentations
Valued amount
Warranties
Stated amount
Concealment
3.2 Policy structure
Fraud
Declarations
Waiver and estoppel
Definitions
3.0 Property and Casualty Insurance Basics 16%
Insuring agreement or clause

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 Additional/supplementary coverage Ohio Valued Policy Law (3929.25)

Conditions Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)

Exclusions Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411,

3937.47; 3901-1-18(D))
Endorsements
Binders (4509.56; 3901-1-18(I))
3.3 Common policy provisions
Controlled business (3905.61-.65))
Insureds — named, first named, additional
Retaliatory provisions (3901.86)
Policy period
Concealment, misrepresentation or fraud (2913.47, 3999.31)
Policy territory
Declination of insurance and unfair discrimination (3901.21(L), (M))
Cancellation and nonrenewal
Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
Deductibles
Terrorism Risk Insurance Program Reauthorization Act of 2015 (15
Coinsurance USC 6701) (Bulletin 2015-02)

Other insurance Unfair Property/Casualty Claims Settlement Practices (3905.55;

3901-1-54; 3901-1-07)
Non-concurrency
Fire Loss - Treasury Certificate/Demolition Fund (3929.86)
Primary and excess
4.0 Dwelling (’14) Policy 6%
Pro rata
4.1 Characteristics and purpose
Contribution by equal shares
Eligibility
Limits of liability insurance
Cancellation/renewal
Per occurrence (accident)
Reasons
Per person
Notice
Aggregate — general versus products — completed operations
4.2 Coverage forms — Perils insured against
Split
Basic
Combined single
Broad
Restoration/non-reduction of limits
Special
Vacancy or un-occupancy
4.3 Property coverages
Named insured provisions
Coverage A — Dwelling
Duties after loss
Coverage B — Other structures
Assignment
Coverage C — Personal property
Abandonment
Coverage D — Fair rental value
Policy provisions
Coverage E — Additional living expense
Liberalization
Other coverages
Subrogation
4.4 General exclusions
Salvage
4.5 Conditions and definitions
Claim settlement options
4.6 Selected endorsements
Replacement cost vs. actual cash value
Special provisions — Ohio (DP 01 34)
Duty to defend
Automatic increase in insurance (DP 04 11)
Third-party provisions
Broad theft coverage (DP 04 72)
Standard mortgage clause
Dwelling under construction (DP 11 43)
Loss payable clause
4.7 Personal liability supplement
No benefit to the bailee
Cancellation/nonrenewal
Additional insured
5.0 Homeowners ('11) Policy 14%
3.4 Ohio laws, regulations and required provisions

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5.1 Eligibility and definitions Reasons

5.2 Coverage forms Notice

HO-2 through HO-6 Prohibition against use of intrafamily liability exclusion (3937.46)

HO-8 Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54(H)(4))

5.3 Section I — Property coverages 6.2 Personal ('05) auto policy

Coverage A — Dwelling Eligibility, definitions, and conditions

Coverage B — Other structures Liability coverages

Coverage C — Personal property Combined single limits versus split limits

Coverage D — Loss of use Bodily injury and property damage

Additional coverages Supplementary payments

5.4 Section II — Liability coverages Exclusions

Coverage E — Personal liability Medical payments coverage

Coverage F — Medical payments to others Uninsured/underinsured motorist coverage

Additional coverages Bodily injury

5.5 Perils insured against Property damage

5.6 Exclusions Required limits

5.7 Conditions Coverage for damage to your auto

5.8 Selected endorsements Collision

Special provisions — Ohio (HO 01 34) Other than collision

Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 Deductibles
27)
Transportation expenses
Permitted incidental occupancies (HO 04 42)
Exclusions
Earthquake (HO 04 54)
Substitute transportation
Scheduled personal property (HO 04 61)
Towing and labor (PP 03 03)
Personal property replacement cost (HO 04 90)
Duties after an accident or loss
Home day care (HO 04 97)
General provisions
Business pursuits (HO 24 71)
Selected endorsements
Watercraft (HO 24 75)
Amendment of policy provisions — Ohio (PP 01 86)
Personal injury (HO 24 82)
Extended non-owned coverage (PP 03 06)
6.0 Auto Insurance 14%
Miscellaneous type vehicle (PP 03 23)
6.1 Laws
Joint ownership coverage (PP 03 34)
Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81))
6.3 Commercial auto ('13)
Required limits of liability (4509.51)
Commercial auto coverage forms
Uninsured/underinsured motorist
Business auto
Definitions (3937.18(A),(B),(C)
Garage
Bodily injury (3937.18(B),(C))
Business auto physical damage
Property damage (3937.181)
Truckers
Stacked and non-stacked (3937.18(F), (G))
Motor carrier
Required limits (4509.51)
Coverage form sections
Intrafamily liability exclusion (3937.46)
Symbols/covered autos
Cancellation/nonrenewal (3937.30-.411, .47)
Liability coverage

WWW.PSIEXAMS.COM 26
 Garage keepers coverage Premises and operations

Trailer interchange coverage Per occurrence/aggregate

Physical damage coverage Products and completed operations

Eligibility Insured contract

Exclusions Contingent liability

Conditions Pollution liability

Definitions Coverage form

Selected endorsements Limited coverage form

Lessor — additional insured and loss payee (CA 20 01) Extension endorsement

Mobile equipment (CA 20 15) 7.3 Commercial property ('12)

Auto medical payments coverage (CA 99 03) Definitions, conditions, exclusions

Drive other car coverage (CA 99 10) Coverage forms

Individual named insured (CA 99 17) Building and personal property

Broad form products coverage Condominium association

Employees as insureds Condominium commercial unit-owners

Commercial carrier regulations Builders risk

The Motor Carrier Act of 1980 Business income

Endorsement for motor carrier policies of insurance for public Legal liability
liability (MCS-90)
Extra expense
7.0 Commercial Package Policy (CPP) 12%
Causes of loss forms
7.1 Components of a commercial policy
Basic
Common policy declarations
Broad
Common policy conditions
Special
Interline endorsements
Selected endorsements
One or more coverage parts
Ordinance or law (CP 04 05)
7.2 Commercial general liability ('13)
Spoilage (CP 04 40)
Commercial general liability coverages
Peak season limit of insurance (CP 12 30)
Bodily injury and property damage liability
Value reporting form (CP 13 10)
Personal and advertising injury liability
7.4 Commercial Crime ('15)
Medical payments
General definitions
Supplementary payments
Burglary
Fire legal liability
Theft
Limits of insurance
Robbery
Exclusions
Crime coverage forms
Conditions
Commercial crime coverage forms (discovery/loss sustained)
Definitions
Government crime coverage forms (discovery/loss sustained)
Claims-made features
Coverages
Trigger
Employee theft
Retroactive date
Forgery or alteration
Extended reporting periods
Inside the premises — theft of money and securities
Claim information
Inside the premises — robbery or safe burglary of other property
Occurrence versus claims-made

WWW.PSIEXAMS.COM 27
 Outside the premises Coverage F — Unscheduled farm personal property

Computer fraud Coverage G — Other farm structures

Funds transfer fraud Farm liability coverage forms ('16)

Money orders and counterfeit money Coverage H — Bodily injury and property damage liability

Other crime coverage Coverage I — Personal and advertising injury liability

Extortion — commercial entities (CR 04 03) Coverage J — Medical payments

Lessees of safe deposit boxes Livestock coverage form

Securities deposited with others Mobile agricultural machinery and equipment coverage form

Guests' property Cause of loss (basic, broad and special)

Safe depository Additional coverages

7.5 Commercial inland marine ('13) Eligibility

Nationwide marine definition Exclusions

Commercial Inland marine conditions forms Limits of insurance

Commercial inland marine coverage forms Conditions

Accounts receivable Definitions

Bailee's customer 8.0 Businessowners ('13) Policy 8%

Commercial articles 8.1 Characteristics and purpose

Contractors equipment floater 8.2 Businessowners Section I — Property

Electronic data processing Definitions

Equipment dealers General conditions

Installation floater Loss conditions

Jewelers block Exclusions

Signs Coverage

Valuable papers and records Limits of insurance

Transportation coverages Deductibles

Common carrier cargo liability Optional coverages

Motor truck cargo forms 8.3 Businessowners Section II — Liability

Transit coverage forms Eligibility

7.6 Equipment breakdown ('13) Coverages

Definitions, coverages and exclusions (EB 00 20) Exclusions

Equipment breakdown protection coverage form (EB 00 20) Limits of insurance

Selected endorsements General conditions

Business income - Report of values (EB R 002) Definitions

Actual cash value (EB 99 59) 8.4 Businessowners Section III — Common Policy Conditions

7.7 Farm coverage 8.5 Selected endorsements

Farm property coverage forms ('16) Hired auto and non-owned auto liability (BP 04 04)

Coverage A — Dwellings Protective safeguards (BP 04 30)

Coverage B — Other private structures Utility services — direct damage (BP 04 56)

Coverage C — Household personal property Utility services — time element (BP 04 57)

Coverage D — Loss of use 9.0 Workers' Compensation Insurance 4%

Coverage E — Scheduled farm personal property 9.1 Workers' compensation laws

WWW.PSIEXAMS.COM 28
 Types of laws Employee Benefits

Compulsory versus elective (4123.12, .35, .54) Identity Fraud Expense Coverage

Monopolistic versus competitive 10.3 Surplus lines

Ohio Workers' Compensation Law (Chapter 4123) Eligibility

Exclusive remedy (4123.54) Definitions and non-admitted markets

Employment covered (required, voluntary) (4123.01, .28, .54)) Licensing requirements

Covered injuries (4123.54, .55, .84) 10.4 Surety bonds

Occupational disease (4123.01(F)) Nature of bonds

Benefits provided (4123.30, .54, .55-.59, .60-.61, .66) Bond period

Second/subsequent injury fund Discovery bond

Federal workers' compensation laws Limit of liability

Longshore and Harbor Workers' Compensation Act (33 USC 904) Termination of coverage

Federal Employers Liability Act Parties to a bond

The Jones Act Principal, obligee, surety

9.2 Workers' compensation and employers liability insurance policy Purpose of bonds

Part One — Workers' compensation insurance Surety, fidelity

Part Two — Employers liability insurance Types of fidelity bonds

Part Three — Other states insurance Employee theft, public official, financial institution, fiduciary

Part Four — Your duty if injury occurs Types of surety bonds

Part Five — Premium Contract, license, judicial, permit

Part Six — Conditions 10.5 Aviation insurance

9.3 Selected endorsements and rating factors Aircraft liability

Foreign coverage Hull, cargo, freight

Voluntary compensation Implied warranties

All states Perils

Job classification Drone coverage

Payroll General and particular average

Experience modification factor 10.6 Ocean marine insurance

Premium discounts Major coverages

Participation plans Hull insurance

10.0 Other Coverages and Options 7% Cargo insurance

10.1 Umbrella/excess liability policies Freight insurance

Personal (DL 98 01) Protection and indemnity

Commercial (CU 00 01) Implied warranties

10.2 Specialty liability insurance Perils

Professional liability General and particular average

Errors and omissions 10.7 National Flood Insurance Program

Directors and officers liability "Write your own" versus government

Fiduciary liability Eligibility

Liquor liability Coverage

Employment practices liability Limits

WWW.PSIEXAMS.COM 29
 Deductibles 1.2 State regulation
10.8 Other policies Director's general duties and powers (3901.01, 3901.011, .04, .041;
3905.12)
Boat owners
Company regulation
Personal watercraft Certificate of authority (3925.11, 3925.12, 3953.03, 3953.04,
3953.17)
Recreational vehicles
Title marketing representative appointment (3901-5-09(G))
Difference in conditions
Insolvency (3903.01(O))
10.9 Residual markets
Prohibited business (3953.09), 3953.21(B); 3901-7-04))
Insurance Underwriting Plan Financial requirements (3925.12; 3953.05; 3953.06; 3901-1-50;
3901-3-04)
FAIR plans (3929.41-.49; 3901-1-18)
Closing Protection Coverage (3953.32)
Commercial Insurance Joint Underwriting Association (3930.01-.18)
Agent regulation
Ohio Automobile Insurance Plan (4509.70)
Agent appointment (3905.20, .21; 3901-5-09(K))

Commissions (3905.18; 3953.25; 3901-5-09(N))

OHIO TITLE INSURANCE AGENT
SERIES 11-37 Trust account (3953.231; 3901-7-01)

Interest on trust account (IOTA) (3953.231)

100 questions – 2 Hours
Division of fees and charges (3953.27)

1.0 Insurance Regulation 10% Illegal compensation (3905.18, 3953.26; 3901-7-04)

1.1 Licensing Agent/Consumer fees (3905.55)

Surety bonds and errors and omissions coverage (3953.23; 3901-7-
Types of licensees 02)
Definitions/general requirements (3905.01, .02, .04-.06;
Closing protection coverage (3953.32)
3953.01, 3953.03; 3901-5-09)
Title agent additional requirements (3953.01(H); 3953.21(B), Controlled business (3953.21(B), 3901-7-04)
3953.22)
Unfair insurance trade practices
Inactivity due to military service (3905.06(G); 3901-5-09)(J))
Rebating (3933.01; 3953.26)
Maintenance and duration (3905.06, .16; 3901-5-09)
False advertising (3901.21(B), (D); 3905.43; 3999.10, .11)
Requirements (3905.02, .04, .05, .051, .06; 3901-5-09)
Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
Change in name, address, email, telephone number (3905.061,
3905.071; 3901-5-09) Defamation of insurer (3901.21(C); 3999.09)

Duty to report criminal convictions and administrative Unfair discrimination (3901.21(L), (M); 3953.29)
disciplinary actions (3905.22 (A), (B))
Illegal inducements (3933.01; 3953.26; 3901-7-04)
Assumed business names (3905.11)
Controlled business (3901-7-04; 3905.14(B)(34), 3953.21(B))
Continuing education including exemptions and penalties
(3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901.5.09) Examination of books and records (3901.04, .07; 3953.23, 3953.33;
3901-7-01)
Disciplinary actions
Insurance fraud regulation (3999.21, .31, .37, .41, .42; 2913.47,
Penalties and fines for violations (3901.22(D), (F), 3905.14(B), 3901.44)
(D), (H), (.99)
Insurance information privacy (3901.44; 3904.04, .13, .14)
Cease and desist orders (3901.221; 3905.14(G), 3901.22(D))
1.3 Federal regulation
Civil Fair Credit Reporting Act (15 USC 1681–1681d)
Criminal Fraud and false statements including 1033 waiver (18 USC 1033,
1034)
Hearings (3901.22; 3905.14(C); ORC 119)
Other federal regulations (e.g., Do Not Call List)
Consent/Settlement agreements (3901.22(G)), 3905.14 (B)(2)) (https://www.donotcall.gov/)
Failure to pay taxes (3905.14(B)(14))
2.0 General Insurance 10%
Failure to appear for an interview (3905.14(B)(22))
2.1 Concepts
Failure to provide department with a written response Risk management key terms
(3905.14(B)(21))

WWW.PSIEXAMS.COM 30
 Risk Abandonment

Exposure Judicial sales

Loss Land installment contract

Insurable Interest Leases

Reinsurance Decedents' estates

2.2 Agent and general rules of agency (3905) Intestate

Insurer as principal Testate
Agent/insurer relationship Divorce, dissolution and annulment

Authority and powers of agents Trusts

Express (3905.20) Types of joint ownership

Implied (3901-5-12) Tenants in common

Apparent Joint tenancy

Responsibilities to the applicant/insured Acknowledgments

2.3 Contracts Legal capacity of parties

Elements of a legal contract Individuals

Offer and acceptance Corporations

Consideration General partnerships

Competent parties Limited partnerships

Legal purpose Fictitious names

Legal interpretations affecting contracts Trust agreements

Ambiguities in a contract of adhesion Limited Liability Company (LLC)

Reasonable expectations Powers of Attorney

Indemnity 3.3 Legal descriptions

Utmost good faith Types of legal descriptions

Representations/misrepresentations Types of measurements used

Warranties Language of legal descriptions

Concealment Structure and format

Fraud Interpretation

3.0 Real Property 35% 3.4 Escrow principles

3.1 Concepts, principles and practices Escrow terminology

Definition of real property Types of escrows

Types of real property Escrow contracts

Title to real property Fiduciary responsibilities of escrow agents

Marketable title 3.5 Recording

3.2 Acquisition and transfer of real property Types of records

Conveyances Types of recording systems

Encumbrances Requirements to record

Adverse possession Recording steps

Condemnation Acknowledgments

Dower 4.0 Title Insurance 20%

Involuntary alienation 4.1 Title insurance principles (3953)

WWW.PSIEXAMS.COM 31
 Risks covered by title insurance Executions

Risk of error in public records Covenants, conditions and restrictions

Hidden off-record title risks 5.2 Special problem areas and concerns
Risk of omission and commission by agent Ohio child support lien

Entities that can be insured; need for insurance Acknowledgments

Individual Mechanic's lien

Commercial Bankruptcy

Interests that can be insured Probate

Fee simple estate Forfeitures

Leasehold estate Foreclosure

Life estate Claims against the title

Easements Lis pendens

Mortgagee 5.3 Principles of clearing title

Title insurance forms (3953.28) Releases

Commitments Assignments

Owner's policy Subordinations

Loan policy Affidavits

Leasehold policies 5.4 Settlement of closing procedures

Title insurance policy structure and provisions Real Estate Settlement Procedures Act (RESPA)

Insuring provisions Closing protection letter (3953.32)

Schedule A Good funds

Schedule B — exceptions from coverage

Exclusions from coverage

Conditions OHIO PUBLIC ADJUSTER

SERIES 11-38
Endorsements
100 questions – 2 Hours
4.2 Title searching techniques
5.0 Title Exceptions and procedures for Clearing Title 25% 1.0 Insurance Regulation 10%
1.1 Licensing Requirements (3951.02)
5.1 Principles and concepts
Requirements (3901-1-24, 3951.01, .02, .03, .04, .05, .06)
Exceptions
Definitions (3951.01)
Voluntary and involuntary liens
Qualifications (3951.03)
Federal liens
Certificate of authority (3951.02, .03; 3951.04)
Mortgage Process/issuance or denial (3951.03–.04)
Judgments License fees (3951.06(A))
Taxes and assessments Surety bond (3951.06(D))

Surveys Written examination (3951.05)

Condominiums Waiver of examination (3951.09)

Reciprocal licensing (3951.09)
Water rights
Claim adjustment contract requirements (3901-1-24(D), (E))
Mineral rights
Prohibited activities (3901-1-24(C); 3951.08)
Equitable interests
1.2 Maintenance and duration
Attachments
Requirements (3951.02–.04)

WWW.PSIEXAMS.COM 32
 Renewal (3951.06(C), (D)) Actual cash value
1.3 Disciplinary actions Replacement cost
Cease and desist orders (3901.22(D), .221) Functional replacement cost
Suspension and revocation (3951.07; 3901-1-24(G)) Market/agreed value
Penalties and fines for violations (3951.99; 3901-1-24(G)) Valued amount
1.4 Claim settlement laws and regulations (3901-1-24, 3901-1-54; Stated amount
RC 2913.47(B))
2.3 Policy structure
Unfair insurance trade practices (3901.20, .21; 3901-1-07)
Declarations
2.0 Insurance Basics 18%
Definitions
2.1 Concepts
Insuring agreement or clause
Elements of a legal contract
Additional/supplementary coverage
Offer and acceptance
Conditions
Consideration
Exclusions
Competent parties
Endorsements
Legal purpose
2.4 Common policy provisions
Distinct characteristics of an insurance contract
Insureds — named, first named, additional
Contract of adhesion
Policy period
Aleatory contract
Policy territory
Personal contract
Cancellation and nonrenewal
Unilateral contract
Deductibles
Conditional contract
Other insurance
Legal interpretations affecting contracts
Nonconcurrency
Ambiguities in a contract of adhesion
Primary and excess
Reasonable expectations
Pro rata
Indemnity
Contribution by equal shares
Utmost good faith
Policy limits
Representations/misrepresentations
Restoration/non-reduction of limits
Warranties
Coinsurance
Concealment
Vacancy or unoccupancy
Fraud
Assignment
Waiver and estoppel
Liberalization
2.2 Insurance principles and concepts
Third-party provisions
Hazards
Standard mortgage clause
Physical
Loss payable clause
Moral
No benefit to the bailee
Morale
2.5 Ohio laws, regulation and required provisions
Causes of loss (perils)
Ohio Valued Policy Law (3929.25)
Named perils versus special (open) perils
Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)
Proximate cause
Ohio FAIR Plan (3929.41–.49; 3901-1-18)
Direct loss
Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.35,
Consequential 3937.47; 3901-1-18)
Concealment, misrepresentation or fraud (3999.31, 3999.37,
Indirect loss 3999.42)
Blanket versus specific insurance Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
Basic types of construction Terrorism Risk Insurance Program Reauthorization Act of 2015 (15
Loss valuation USC 6701) Bulletin 2015-02
3.0 Adjusting Losses 15%

WWW.PSIEXAMS.COM 33
3.1 Role of the adjuster (Reg 3901-1-24) 4.4 General exclusions
Duties and responsibilities 4.5 Conditions and definitions
Prohibited activities (3901-1-24(C)) 4.6 Selected endorsements
Independent adjuster versus public adjuster (3951.01(B)) Special provisions — Ohio (DP 01 34)
Public adjuster versus public adjuster agent (3951.01(B),(C), .03(E)) Automatic increase in insurance (DP 04 11)
Relationship to the legal profession (3951.01(E)(1), .08) Broad theft coverage (DP 04 72)
Records (3901-1-24(D)) Dwelling under construction (DP 11 43)
3.2 Duties of insured after loss 5.0 Homeowners ('11) Policy 7%
Notice to insurer 5.1 Coverage forms
Minimizing loss HO-2 through HO-6
Proof of loss HO-8
Special requirements 5.2 Eligibility and Definitions
Production of books and records 5.3 Section I — Property coverages
Abandonment Coverage A — Dwelling
3.3 Determining value and loss Coverage B — Other structures
Burden of proof of value and loss Coverage C — Personal property
Estimates Coverage D — Loss of use
Depreciation Additional coverages
Salvage 5.4 Perils insured against
Appraisal 5.5 Exclusions
3.4 Payment and discharge 5.6 Conditions
Claim settlement options 5.7 Selected endorsements
Practical adjustment procedures (determine and evaluate) Special provisions — Ohio (HO 01 34)
Building construction Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04
27)
Inventory analysis
Permitted incidental occupancies (HO 04 42)
Time element
Earthquake (HO 04 54)
Improvement and betterments
Scheduled personal property (HO 04 61)
Builders risk
Personal property replacement cost (HO 04 90)
4.0 Dwelling ('02) Policy 5%
Home day care (HO 04 97)
4.1 Characteristics and purpose
6.0 Auto Insurance 8%
Eligibility
6.1 Laws
Cancellation/renewal
Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54(H)(4))
Reasons
6.2 Personal ('05) auto policy
Notice
Definitions
4.2 Coverage forms — Perils insured against
Coverage for damage to your auto
Basic
Collision
Broad
Other than collision
Special
Deductibles
4.3 Property coverages
Transportation expenses
Coverage A — Dwelling
Exclusions
Coverage B — Other structures
Duties after an accident or loss
Coverage C — Personal property
General provisions
Coverage D — Fair rental value
Selected endorsements
Coverage E — Additional living expense
Amendment of policy provisions — Ohio (PP 01 86)
Other coverages

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 Towing and labor (PP 03 03) Basic
Extended non-owned coverage (PP 03 06) Broad
Miscellaneous type vehicle (PP 03 23) Special
Joint ownership coverage (PP 03 34) Selected endorsements
6.3 Commercial auto ('13) Ordinance or law (CP 04 05)
Commercial auto coverage forms Spoilage (CP 04 40)
Business auto Peak season limit of insurance (CP 12 30)
Garage Value reporting form (CP 13 10)
Business auto physical damage 7.3 Commercial crime ('13)
Truckers General definitions
Motor carrier Burglary
Coverage form sections Theft
Covered autos Robbery
Garage keepers coverage Crime coverage forms
Trailer interchange coverage Commercial crime coverage forms (discovery/loss sustained)
Physical damage coverage Government crime coverage forms (discovery/loss sustained)
Exclusions Coverages
Conditions Employee theft
Definitions Forgery or alteration
Selected endorsements Inside the premises — theft of money and securities
Lessor — additional insured and loss payee (CA 20 01) Inside the premises — robbery or safe burglary of other property
Mobile equipment (CA 20 15) 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 insurance for public Extortion — commercial entities (CR 04 03)
liability (MCS-90)
7.4 Commercial inland marine ('04)
7.0 Commercial Package Policy (CPP) 18%
Nationwide marine definition
7.1 Components of a commercial policy
Commercial Inland marine conditions forms
Common policy declarations
Commercial inland marine coverage forms
Common policy conditions
Accounts receivable
Interline endorsements
Bailee's customer
One or more coverage parts
Commercial articles
7.2 Commercial property ('12)
Contractors equipment floater
Definitions, conditions, exclusions
Electronic data processing
Coverage forms
Equipment dealers
Building and personal property
Installation floater
Condominium association
Jewelers block
Condominium commercial unit-owners
Signs
Builders risk
Valuable papers and records
Business income
Transportation coverages
Legal liability
Motor truck cargo forms
Extra expense
Transit coverage forms
Causes of loss forms
7.5 Equipment breakdown ('13)

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 Equipment Breakdown protection coverage form (BM 00 20) 9.3 Other policies
Selected endorsements Aircraft hull
Business income - Report of values (EB 00 20) Boat owners
Actual cash value (EB 99 59) Difference in conditions
7.6 Farm coverage 9.4 Surety bonds
Farm property coverage forms ('03) Contract
Coverage A — Dwellings License and permit
Coverage B — Other private structures Judicial
Coverage C — Household personal property 9.5 Aviation insurance
Coverage D — Loss of use Aircraft liability
Coverage E — Scheduled farm personal property Hull, cargo, freight
Coverage F — Unscheduled farm personal property Implied warranties
Coverage G — Other farm structures Perils
8.0 Businessowners ('13) Policy 16% Drone coverage
8.1 Characteristics and purpose General and particular average
8.2 Businessowners Section I — Property 9.6 Ocean marine insurance
Coverage Major coverages
Exclusions Hull insurance
Limits of insurance Cargo insurance
Deductibles Freight insurance
Loss conditions Protection and indemnity
General conditions Implied warranties
Optional coverages Perils
Eligibility and definitions General and particular average
8.3 Businessowners Section III — Common Policy Conditions 9.7 Other policies
8.4 Selected endorsements Boat owners
Protective safeguards (BP 04 30) Personal watercraft
Utility services — direct damage (BP 04 56) Recreational vehicles
Utility services — time element (BP 04 57) Types of flood insurance (e.g., "write your own," government)
9.0 Other Coverages and Options 3% Eligibility
9.1 National Flood Insurance Program Coverage
"Write your own" versus government Limits
Eligibility Deductibles
Coverage 9.8 Residual markets
Limits Ohio Automobile Insurance Plan (4509.70)
Deductibles
9.2 Ocean marine insurance OHIO SURETY BAIL BONDS AGENT
Major coverages SERIES 11-42

Hull insurance 100 questions – 2 Hours

Cargo insurance
Freight insurance 1.0 Insurance Regulation 25%

Protection and indemnity 1.1 Licensing

Director's general duties and powers (3901.01, 3901.011, .04, .041;
Implied warranties
3905.12)
Perils Process (3905.85)
General and particular average

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 License Requirements (3905.02, .84, .841, .85, 3905.06) Fraud and false statements, including 1033 waiver (18 USC 1033,
1034)
Resident qualifications (3905.85, 3905.06)
2.0 The Legal Framework 35%
Non-resident qualifications (3905.07, .85)
2.1 Authority
Records requirements (3905.90)
Express
Build up funds (3905.91)
Implied
Agent appointment/termination (3905.20, .21, .86, .861, .862;
3901-5-09) Apparent

Initial restriction regarding executing and delivering bonds 2.2 Contracts

(3905.85(C))
Elements of a legal contract
Maintenance and duration (3905.85(F)(1))
Offer and acceptance
Change in name, address, email, telephone number (3905.061,
3905.071, .89; 3901-5-09) Consideration
Assumed business names (3905.11) Competent parties
License renewal/nonrenewal (3901-5-09(J); (3905.85(F)) Legal purpose
Duty to report criminal convictions and administrative disciplinary Classifications of contracts
actions (3905.22)
Formal and informal
Continuing education (3905.88; 3901-5-01; 3901-5-09
Unilateral and bilateral
Disciplinary actions (3905.14, 3905.85(D))
Executory and executed contracts
Failure to pay taxes (3905.14(B)(14))
Concealment
Failure to appear for an interview 3905.14(B)(22))
Fraud
Failure to provide department with a written response
(3905.14(B)(21)) 2.3 Court jurisdictions
Cease and desist orders (3901.221; 3905.14(G), 3901.22(D)) Original jurisdiction
License denial, probation, surrender, suspension, revocation, or
refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16, Territorial
3905.88(B); 3901-5-12)
Subject-matter
Penalties and fines for violations (3905.14, .99; 2927.27(C))
Personal
1.2 Agent regulation
Appellate jurisdiction
Record maintenance and examination (3905.90)
2.4 Terminology
Prohibited conduct (3905.932; 3901-1-66)
Acquit
Solicitation on grounds of courthouse or detention facility (3901-
1-66(I); 3905.932(B)) Adjudicate

Practice of law (3905.932(H)) Capital offense

Referral of attorney (3905.932(A)) Conviction

Signing bond in blank (3905.931(A), .933(A)) Custody

Solicit without license (3905.84) Defendant

Surety Bail Bond Agent Conduct (3901-1-66) Disposition

Unfair and prohibited practices (3901-1-66) Extradition

Misrepresentation (3901.21(A); 3905.14(B)(5); 3999.08) Felony

False advertising (3901.21(A), (B); 3905.43-, 3905.934; Fugitive
3999.10)
Defamation of insurer (3901.21(C ); 3999.09) Hearing

Charges, fee, refunds and rebates (3905.14(B)(32)(33), 3905.93, Incarceration

.932(D),(E)(1),(F), .933(B))
Indictment
1.3 Federal regulation
Misdemeanor
Fair Credit Reporting Act (15 USC 1681–1681d)
Recognizance

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 Revoke Prior to trial

Suspend Pending appeal

Warrant Failure to appear

Writ Revocation of bail

3.0 Bail Bond Principles and Practices 40% 3.6 Release of surety

3.1 Parties to a surety bond 3.7 Surrender of principal (defandant)

Principal Exoneration of bond

Indemnitor for principal Return of collateral

Indemnity agreement 3.8 Bond forfeiture

Obligee Motion

Surety Notice to defendant and sureties

3.2 Duties of surety bail bond agent Judgment

Power of attorney Dispersal of funds

Duty to register (3905.87) Time limits for appeal

Collateral and trust obligations Arrest after forfeiture

Build-up funds (3905.91)

Duties when apprehending fugitives OHIO PERSONAL LINE INSURANCE AGENT

SERIES 11-43
Written contract (2927.27(A)(2))
100 questions – 2 Hours
Duty to notify law enforcement (2927.27(A)(3))

Prohibition of representation as bounty hunter (2927.27(B)) 1.0 Insurance Regulation 10%

3.3 Types of bonds 1.1 Licensing
Personal surety bond Maintenance and duration (3905.06, .16; 3901-5-09)
Corporate surety bond Requirements (3905.02, .04, .05, .051, .06; 3901-5-09)
Criminal defendant bonds Resident/nonresident (3905.06, .061, .07, .071)
Bail Change in name, address, email, telephone number (3905.061,
3905.071; 3901-5-09)
Appeal
Renewal/nonrenewal (3905.06; 3901-5-09(J))
Habeas corpus
Temporary license (3905.09)
Property bond
Duty to report criminal convictions and administrative
Nonsurety/cash (3905.932(G); 3901-1-66(c)(1)) disciplinary actions (3905.22)
3.4 Procedure Assumed business names (3905.11)
Application for bond (surety/defendant contract) Continuing education including exemptions and penalties
(3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901.5.09(L)(7))
Collateral security
Inactivity due to military service (3905.06(G)); 3901-5-09(J))
Surety contract
Inactivity due to extenuating circumstances (3905.06(G); 3901-
Posting the bond 5-09(J))
Informational notice Disciplinary actions (3905.14)
3.5 Court procedures License denial, probation, surrender, suspension, revocation, or
refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-
Court appearances 5-12)
Failure to pay taxes (3905.14(B)(14))
Arraignment
Failure to appear for an interview (3905.14(B)(22))
Trial
Failure to provide department with a written response
Appeal (3905.14(B)(21))
Conditions of release

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 Penalties and fines for violations (3901.22(D), (F), 3905.14(B), Fair Credit Reporting Act (15 USC 1681–1681d)
(D), (H), .99)
Fraud and false statements including 1033 waiver (18 USC 1033,
Cease and desist orders (3901.221; 3905.14(G), 3901.22(D)) 1034)

Civil Other federal regulations (e.g., Do Not Call List)

(https://www.donotcall.gov/)
Criminal
2.0 General Insurance 10%
Hearings (3901.22; 3905.14(C); ORC 119)
2.1 Concepts
Consent/Settlement agreements (3901.22(G))
Risk management key terms
1.2 State regulation
Risk
Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
Exposure
Negotiate, sell, solicit (3905.01, .02)
Hazard
Director's general duties and powers (3901.01, 3901.011, .04, .041;
3905.12) Peril
Company regulation
Loss
Certificate of authority (3925.11, 3927.01, 3929.01)
Methods of handling risk
Insolvency (3903.01(O))
Avoidance
Policy forms/rates/exceptions (3935.04; 3937.03)
Retention
Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07,
3929.11) Sharing

Unfair trade and claims settlement practices (3901.19-26; 3901-1- Reduction

07; 3901-1-54))
Transfer
Agent regulation
Elements of insurable risks
Commissions, compensations, fees (3905.18, .181; 3901-5-09(N),
3905.55) Adverse selection

Reporting of felony and crimes of moral turpitude (3905.14, .22) Law of large numbers

Policy/application signature (3905.14(B)(11), (26)) Reinsurance

Appointment procedures Indemnity/pay on behalf of

Agent appointment (3905.20; 3901-5-09(K)) 2.2 Insurers

Cancellation of appointment (3905.16(B)(1)) Types of insurers

Termination notification (3905.21) Stock companies

Unfair insurance trade practices (3901.20, .21) Mutual companies

Rebating (3933.01; 3999.05) Fraternal benefit societies

Premium refunds and other incentives (3905.14(B)(32); 3999.05, Reciprocals

Bulletin 2009-13)
Lloyd's associations
False advertising (3901.21(A), (B), (D), .24; 3905.43; 3999.10, .11)
Risk retention groups
Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
Surplus lines
Defamation of insurer (3901.21(C); 3999.09)
Authorized/admitted versus unauthorized/non-admitted insurers
Unfair discrimination (3901.21(L), (M))
Domestic, foreign and alien insurers
Illegal inducements (3933.01; Bulletin 2009-13)
Financial solvency status (e.g., A.M. Best, Standard and Poor's,
General grounds for disciplinary action (3905.14(B)) Moody's, NAIC)

Examination of books and records (3901.04, .07) Marketing (distribution) systems

Insurance fraud regulation (3999.21, .31, .37, .41, .42; 2.3 Agent and general rules of agency
2913.47, 3901.44)
Insurer as principal
Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14,
3965.01-.11) Agent/insurer relationship
Consumer information/fees (3905.55; 3905.181)
Authority and powers of agents
1.3 Federal regulation
Express

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 Implied Defenses against negligence

Apparent Damages

Responsibilities to the applicant/insured Compensatory — special versus general

2.4 Contracts Punitive

Elements of a legal contract Types of liability

Offer and acceptance Absolute

Consideration Strict

Competent parties Vicarious

Legal purpose Causes of loss (perils)

Distinct characteristics of an insurance contract Direct loss

Contract of adhesion Consequential loss

Aleatory contract Indirect loss

Personal contract Named perils versus special (open) perils

Unilateral contract Blanket versus specific insurance

Conditional contract Basic types of construction

Legal interpretations affecting contracts Loss valuation

Ambiguities in a contract of adhesion Actual cash value

Reasonable expectations Replacement cost

Indemnity Functional replacement cost

Utmost good faith Market/agreed value

Representations/misrepresentations Valued amount

Warranties Stated amount

Concealment 3.2 Policy structure

Fraud Declarations

Waiver and estoppel Definitions

3.0 Property and Casualty Insurance Basics 17% Insuring agreement or clause

3.1 Principles and concepts Additional/supplementary coverage

Insurable interest Conditions

Underwriting Exclusions

Credit scores Endorsements

Loss ratio 3.3 Common policy provisions

Rates Insureds — named, first named, additional

Types Policy period

Loss costs Policy territory

Components Cancellation and nonrenewal

Hazards Deductibles

Physical Coinsurance

Moral Other insurance

Morale Non-concurrency

Negligence Primary and excess

Elements of a negligent act Pro rata

WWW.PSIEXAMS.COM 40
 Contribution by equal shares Eligibility

Limits of liability insurance Cancellation/renewal

Per occurrence (accident) Reasons

Per person Notice

Aggregate 4.2 Coverage forms — Perils insured against

Split Basic

Combined single Broad

Restoration/non-reduction of limits Special

Vacancy or un-occupancy 4.3 Property coverages

Named insured provisions Coverage A — Dwelling

Duties after loss Coverage B — Other structures

Assignment Coverage C — Personal property

Abandonment Coverage D — Fair rental value

Policy provisions Coverage E — Additional living expense

Liberalization Other coverages

Subrogation 4.4 General exclusions

Salvage 4.5 Conditions and definitions

Claim settlement options 4.6 Selected endorsements

Replacement cost vs. actual cash value Special provisions — Ohio (DP 01 34)

Duty to defend Automatic increase in insurance (DP 04 11)

Third-party provisions Broad theft coverage (DP 04 72)

Standard mortgage clause Dwelling under construction (DP 11 43)

Loss payable clause 4.7 Personal liability supplement

No benefit to the bailee Cancellation/nonrenewal

Additional insured 5.0 Homeowners ('11) Policy 23%

3.4 Ohio laws, regulations and required provisions 5.1 Eligibility and definitions

Ohio Valued Policy Law (3929.25) 5.2 Coverage forms

Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19) HO-2 through HO-6

Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411; 3901- HO-8

1-18(D), 3937.47)
5.3 Section I — Property coverages
Binders (4509.56; 3901-1-18(I))
Coverage A — Dwelling
Retaliatory provisions (3901.86)
Coverage B — Other structures
Concealment, misrepresentation or fraud (2913.47, 3999.31)
Coverage C — Personal property
Declination of insurance and unfair discrimination (3901.21(L), (M))
Coverage D — Loss of use
Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
Additional coverages
Terrorism Risk Insurance Program Reauthorization Act of 2015 (15
USC 6701) (Bulletin 2015-02) 5.4 Section II — Liability coverages
Unfair Property/Casualty Claims Settlement Practices (3905.55; Coverage E — Personal liability
3901-1-54; 3901-1-07)
Coverage F — Medical payments to others
Fire Loss - Treasury Certificate/Demolition Fund (3929.86)
Additional coverages
4.0 Dwelling ('14) Policy 10%
5.5 Perils insured against
4.1 Characteristics and purpose
5.6 Exclusions

WWW.PSIEXAMS.COM 41
5.7 Conditions Uninsured/underinsured motorist coverage

5.8 Selected endorsements Bodily injury

Special provisions — Ohio (HO 01 34) Property damage

Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 Required limits
27)
Coverage for damage to your auto
Permitted incidental occupancies (HO 04 42)
Collision
Earthquake (HO 04 54)
Other than collision
Scheduled personal property (HO 04 61)
Deductibles
Personal property replacement cost (HO 04 90)
Transportation expenses
Home day care (HO 04 97)
Exclusions
Business pursuits (HO 24 71)
Substitute transportation
Watercraft (HO 24 75)
Towing and labor (PP 03 03)
Personal injury (HO 24 82)
Duties after an accident or loss
6.0 Auto Insurance 23%
General provisions
6.1 Laws
Selected endorsements
Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81))
Amendment of policy provisions — Ohio (PP 01 86)
Required limits of liability (4509.51)
Extended non-owned coverage (PP 03 06)
Constructive total loss
Miscellaneous type vehicle (PP 03 23)
Arbitration
Joint ownership coverage (PP 03 34)
Rental vehicle coverage
Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54 7.0 Other Coverages and Options 7%
(H)(4))
7.1 Umbrella/excess liability policies
Uninsured/underinsured motorist
Personal (DL 98 01)
Definitions (3937.18(A),(B),(C)
7.2 National Flood Insurance Program
Bodily injury (3937.18(B),(C))
"Write your own" versus government
Property damage (3937.181)
Eligibility
Stacked and non-stacked (3937.18(F), (G))
Coverage
Required limits (4509.51)
Limits
Intrafamily liability exclusion (3937.46)
Deductibles
Cancellation/nonrenewal (3937.30-.411, .47)
7.3 Other policies
Grounds
Boat owners
Notice
Personal watercraft
Prohibition against use of intrafamily liability exclusion (3937.46)
Recreational vehicles
Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54(H)(4))
Difference in conditions
6.2 Personal ('05) auto policy
7.4 Residual markets
Eligibility, definitions, and conditions
Insurance Underwriting Plan
Liability coverages
FAIR plan (3929.41-.49; 3901-1-18)
Combined single limits versus split limits
Ohio Automobile Insurance Plan (4509.70)
Bodily injury and property damage

Supplementary payments

Exclusions

Medical payments coverage

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 OHIO LIFE INSURANCE AGENT Unfair trade and claims settlement practices (3901.19-.26; 3901-
SERIES 11-44 1-07; 3901-1-54))

Agent regulation
100 questions – 2 Hours
Commissions, compensations, fees (3905.18; 3905.181; 3901-5-
1.0 Insurance Regulation 12% 09(N), 3905.55)
Reporting of felony and crimes of moral turpitude (3905.14 (B)(6),
1.1 Licensing (B)(7), .22)

Maintenance and duration (3905.06, .16; 3901-5-09) Policy/application signature (3905.14(B)(11), (26))

Requirements (3905.02, .04, .05, .051, .06; 3901-5-09) Appointment procedures

Resident/nonresident (3905.06, .061, .07, .071) Agent appointment (3905.20; 3901-5-09(K))

Change in name, address, email, telephone number (3905.061, Cancellation of appointment (3905.16(B)(1))
3905.071; 3901-5-09)
Termination notification (3905.21)
Renewal/nonrenewal (3905.06; 3901-5-09(J))
Unfair insurance trade practices (3901.20, .21)
Temporary license (3905.09)
Rebating (3911.20; 3999.05)
Duty to report criminal convictions and administrative disciplinary
actions (3905.22) Premium refunds and other incentives (3905.14(B)(32); 3999.05,
Bulletin 2009-13)
Assumed business names (3905.11)
False advertising (3901.21(B), (D), .24; 3905.43; 3999.10, .11)
Continuing education including exemptions and penalties
(3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7)) Misrepresentation (3901.21(A),(B); 3905.14(B)(5); 3999.08)

Inactivity due to military service (3905.06(G)); 3901-5-09(J)) Defamation of insurer (3901.21(C ); 3999.09)

Inactivity due to extenuating circumstances (3905.06(G); 3901-5- Unfair discrimination (3901.21; 3911.16-.19)
09(J))
Illegal inducements (3999.05, 3901.21(G), 3911.20,
Disciplinary actions (3905.14) Bulletin 2009-13)
License denial, probation, surrender, suspension, revocation, or General grounds for disciplinary action (3905.14(B))
refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5-
12) Examination of books and records (3901.04, .07)
Failure to pay taxes (3905.14(B)(14)) Insurance fraud regulation (3999.21, .31, .37, .41, .42; ORC
2913.47, 3901.44)
Failure to appear for an interview 3905.14(B)(22))
Insurance information privacy (3901.44; 3904.04, 3904.14, 3965.01-
Failure to provide department with a written response .11)
(3905.14(B)(21))
Consumer information/fees (3905.55; 3901-6-04; 3905.181)
Penalties and fines for violations (3901.22(D), (F), 3905.14(B),
(D), (H), .99)) 1.3 Federal regulation

Cease and desist orders (3901.221; 3905.14(G), 3901.22(D)) Fair Credit Reporting Act (15 USC 1681–1681d)

Civil Fraud and false statements including 1033 waiver (18 USC 1033,
1034)
Criminal
Other federal regulations (e.g., Do Not Call List)
Hearings (3901.22; 3905.14(C); ORC 119) (https://www.donotcall.gov/)
2.0 General Insurance 12%
Consent/Settlement agreements (3901.22(G))
2.1 Concepts
1.2 State regulation
Risk management key terms
Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
Risk
Negotiate, sell, solicit (3905.01, .02)
Director's general duties and powers (3901.01, 3901.011, .04, .041; Exposure
3905.12)
Hazard
Company regulation
Peril
Certificate of authority (3907.08; 3909.01, .08, 3925.11, 3927.01)
Loss
Insolvency (3903.01(O))
Methods of handling risk
Policy forms/rates/exceptions (3915.051; 3918.08; 3935.04)
Avoidance
Financial requirements (3901-1-50; 3901-3-04; 3907.05, 3929.011) Retention

Sharing

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 Reduction Legal interpretations affecting contracts

Transfer Ambiguities in a contract of adhesion

Elements of insurable risks Reasonable expectations

Adverse selection Indemnity

Law of large numbers Utmost good faith

Reinsurance Representations/misrepresentations

Indemnity/pay on behalf of Warranties

2.2 Insurers Concealment

Types of insurers Fraud

Stock companies Waiver and estoppel

Mutual companies 3.0 Life Insurance Basics 18%

Fraternal benefit societies 3.1 Insurable interest (3911.091,.11)

Reciprocals 3.2 Personal uses of life insurance

Lloyd's associations Survivor protection

Risk retention groups Estate creation

Surplus lines Cash accumulation

Authorized/admitted versus unauthorized/nonadmitted insurers Liquidity

Domestic, foreign and alien insurers Estate conservation

Financial solvency status (e.g., A.M. Best, Standard and Poor's, 3.3 Determining amount of personal life insurance
Moody's, NAIC)
Human life value approach
Marketing (distribution) systems
Needs approach
2.3 Agent and general rules of agency
Types of information gathered
Insurer as principal
Determining lump-sum needs
Agent/insurer relationship
Planning for income needs
Authority and powers of agents
3.4 Business uses of life insurance
Express
Buy-sell funding
Implied
Key person
Apparent
Executive bonuses
Responsibilities to the applicant/insured
3.5 Viatical settlements (Chapter 3916)
2.4 Contracts
Nature and purpose
Elements of a legal contract
General rules
Offer and acceptance
Viatical settlement broker authority and licensing (3916.02)
Consideration
Disciplinary actions (3916.15)
Competent parties
Promoting purchase for purpose of selling (3916.16)
Legal purpose
Advertisements (3916.17)
Distinct characteristics of an insurance contract
Definitions (3916.01)
Contract of adhesion
Viatical settlement broker (3916.01(N), .02, .03, .04)
Aleatory contract
Viatical settlement provider (3916.01(P), .07)
Personal contract
Viatical settlement contract (3916.01(O), 3916.08)
Unilateral contract
Stranger Originated Life Insurance (Stoli) (3916.05(B); 3901-9-04)
Conditional contract
Viator (3916.01(R))

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3.6 Classes of life insurance policies Attending physician statement

Group versus individual Investigative consumer (inspection) report

Ordinary versus industrial (home service) Medical Information Bureau (MIB)

Permanent versus term Medical examinations and lab tests including HIV (3901.46(A),
(B)(1))
Participating versus nonparticipating
Selection criteria
Fixed versus variable life insurance and annuities
Classification of risks
Universal Life
Preferred
3.7 Premiums
Standard
Factors in premium determination
Substandard
Mortality
Declined
Interest
4.0 Life Insurance Policies 12%
Expense
4.1 Term life insurance
Premium Concepts
Level term
Net single premium
Annual renewable term
Gross annual premium
Level premium term
Premium payment mode
Decreasing term
3.8 Agent responsibilities
4.2 Whole life insurance
Solicitation, sales presentations, and disclosure requirements (3901-
6-01, 03) Continuous premium (straight life)

Advertising Limited payment

Life and Health Insurance Guaranty Association (3956.04, .06, .18; Single premium
3901-1-52)
4.3 Flexible premium policies
Backdating of policies (3915.13)
Adjustable/Universal life
Illustrations (3901-6-04))
Variable Universal life
Policy summary (3901-6-03(D)(6))
4.4 Specialized policies
Buyer's guide (3901-6-03(D)(1))
Joint life (first-to-die)
Life insurance policy cost comparison methods
Survivorship life (second-to-die)
Replacement (3901-6-05)
Juvenile life
Use and disclosure of insurance information
4.5 Group life insurance
Post Application Consumer Review
Characteristics of group plans
Field underwriting
Types of plan sponsors
Notice of information practices
Group underwriting requirements
Application procedures
Conversion to individual policy (3917.06(H), (I))
Delivery
4.6 Credit life insurance (individual versus group)
Policy review

Effective date of coverage 5.0 Life Insurance Policy Provisions, Options and Riders 22%

Premium collection 5.1 Standard provisions (3915.05)

Statement of good health Entire contract (C)
3.9 Individual underwriting by the insurer Payment of premiums (A)
Information sources and regulation (3904) Grace period (B)
Application Reinstatement (J)
Agent report Misstatement of age (E)

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 Payment of claims (K) 5.7 Disability riders

Exclusions Waiver of premium

Statement of the insured (D) Waiver of cost of insurance

Incontestability ((C), 3911.07) Disability income benefit

Prohibited provisions (3915.09) Payor benefit life/disability (juvenile insurance)

Modifications (3915.12) 5.8 Living benefit provisions/riders (3915.21-.24, 3923.44(K), (L);

3901-6-06)
5.2 Beneficiaries (3905.14 (B)(19), (20), 3911.09, .10, .13, .14)
Accelerated benefit (terminal illness)
Designation options
Long-term care
Individuals
5.9 Riders covering additional insureds
Classes
Spouse/other-insured term rider
Estates
Children's term rider
Minors
Family term rider
Trusts
5.10 Riders affecting the death benefit amount
Beneficiary Revocation (5815.33)
Accidental death
Succession
Guaranteed insurability
Revocable versus irrevocable
Cost of living
Common disaster clause
Return of premium
Spendthrift clause
6.0 Annuities 12%
5.3 Settlement options
6.1 Annuity principles and concepts
Cash payment
Accumulation period versus annuity period
Interest only
Owner, annuitant and beneficiary
Fixed-period installments
Insurance aspects of annuities
Fixed-amount installments
Suitability requirements (3901-6-13)
Life income
6.2 Immediate versus deferred annuities
Single life
Single premium immediate annuities (SPIAs)
Joint and survivor
Deferred annuities
5.4 Nonforfeiture options
Premium payment options
Cash surrender value
Nonforfeiture
Extended term
Surrender charges
Reduced paid-up insurance
Death benefits
5.5 Policy loan and withdrawal options
6.3 Annuity (benefit) payment options
Cash loans
Life contingency options
Automatic premium loans
Pure life versus life with guaranteed minimum
Withdrawals or partial surrenders
Single life versus multiple life
5.6 Dividend options
Annuities certain (types)
Cash payment
6.4 Fixed Annuities
Reduction of premium payments
General account assets
Accumulation at interest
Interest rate guarantees (minimum versus current)
One-year term option
Level benefit payment amount
Paid-up additions
6.5 Specialty annuity products
Paid-up insurance

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 Equity indexed annuities Contributions and limits

Market value adjusted annuities Distributions

6.6 Uses of annuities 7.5 Rollovers and transfers (IRAs and qualified plans)

Lump-sum settlements 7.6 Section 1035 exchanges

Qualified retirement plans

Group versus individual annuities

Personal uses OHIO ACCIDENT AND HEALTH INSURANCE AGENT

SERIES 11-45
Individual retirement plans
100 questions – 2 Hours
Tax-deferred growth

Retirement income 1.0 Insurance Regulation 10%

Education funds 1.1 Licensing
7.0 Federal Tax Considerations for Life Insurance and Annuities Maintenance and duration (3905.06, .16; 3901-5-09)
12%
Requirements (3905.02, .04, .05, .051, .06; 3901-5-09)
7.1 Taxation of personal life insurance
Resident/nonresident (3905.06, .061, .07, .071)
Amounts available to policy owner
Change in name, address, email, telephone number (3905.061,
Cash value increases 3905.071; 3901-5-09)
Dividends Renewal/nonrenewal (3905.06; 3901-5-09(J))
Policy loans Temporary license (3905.09)
Surrenders Duty to report criminal convictions and administrative disciplinary
actions (3905.22)
Amounts received by beneficiary
Assumed business names (3905.11)
General rule and exceptions
Continuing education including exemptions and penalties
Settlement options (3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
Values included in insured's estate Inactivity due to military service (3905.06(G)); 3901-5-09(J))
7.2 Modified endowment contracts (MECs) Inactivity due to extenuating circumstances (3905.06(G); 3901-5-
09(J))
Modified endowment versus life insurance
Disciplinary actions (3905.14)
Seven-pay test
License denial, probation, surrender, suspension, revocation, or
Distributions refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5-
12)
7.3 Taxation of non-qualified annuities Failure to pay taxes (3905.14(B)(14))
Individually-owned Failure to appear for an interview (3905.14(B)(22))
Accumulation phase (taxation issues related to withdrawals) Failure to provide department with a written response
(3905.14(B)(21))
Annuity phase and the exclusion ratio
Penalties and fines for violations (3901.22(D), (F), 3905.14(B),
Distributions at death (D), (H), .99))
Corporate-owned Cease and desist orders (3901.221; 3905.14(G), 3901.22(D))
7.4 Taxation of individual retirement plans Civil
Traditional IRAs Criminal
Contributions and deductible amounts Hearings (3901.22; 3905.14(C); ORC 119)
Premature distributions (including taxation issues) Consent/Settlement agreements (3901.22(G))
Annuity phase benefit payments 1.2 State regulation
Values included in the annuitant's estate Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
Amounts received by beneficiary Negotiate, sell, solicit (3905.01, .02)
Roth IRAs Director's general duties and powers (3901.01, 3901.011, .04, .041;
3905.12)

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 Company regulation Peril

Certificate of authority (3907.08; 3909.01, .08, 3925.11, Loss

3927.01))
Methods of handling risk
Insolvency (3903.01(O))
Avoidance
Policy forms/rates/exceptions (3918.08; 3935.04;
3937.03; 3923.02, 3923.021; 1751.11, 1751.12) Retention
Financial requirements (3901-1-50; 3901-3-04; 3907.05, 3929.011) Sharing
Unfair trade and claims settlement practices (3901.19-.26; 3901- Reduction
1-07; 3901-1-54))
Transfer
Agent regulation
Elements of insurable risks
Commissions, compensations, fees (3905.18; 3905.181; 3901-5-
09(N), 3905.55) Adverse selection
Reporting of felony and crimes of moral turpitude (3905.14 (B)(6),
(B)(7), .22) Law of large numbers
Policy/application signature (3905.14(B)(11), (26))
Reinsurance
Appointment procedures
Indemnity/pay on behalf of
Agent appointment (3905.20; 3901-5-09(K))
2.2 Insurers
Cancellation of appointment (3905.16(B)(1))
Types of insurers
Termination notification (3905.21)
Stock companies
Unfair insurance trade practices (3901.20, .21)
Mutual companies
Rebating (3911.20; 3933.01; 3999.05)
Fraternal benefit societies
Premium refunds and other incentives (3905.14(B)(32); 3999.05,
Reciprocals
Bulletin 2009-13)

False advertising (3901.21(B), (D), .24; 3905.43; 3999.10, .11) Lloyd's associations

Misrepresentation (3901.21(A),(B); 3905.14(B)(5); 3999.08) Risk retention groups

Defamation of insurer (3901.21(C ); 3999.09) Surplus lines

Unfair discrimination (3901.21; 3911.16-.19) Authorized/admitted versus unauthorized/nonadmitted insurers

Illegal inducements (3933.01; 3999.05, 3901.21(G), 3911.20, Domestic, foreign and alien insurers
Bulletin 2009-13) Financial solvency status (e.g., A.M. Best, Standard and Poor's,
Moody's, NAIC)
General grounds for disciplinary action (3905.14(B))
Marketing (distribution) systems
Examination of books and records (3901.04, .07)
2.3 Agent and general rules of agency
Insurance fraud regulation (3999.21, .31, .37, .41, .42; ORC
2913.47, 3901.44) Insurer as principal
Insurance information privacy (3901.44; 3904.04, 3904.14, 3965.01-
.11) Agent/insurer relationship

Consumer information/fees (3905.55; 3901-6-04; 3905.181) Authority and powers of agents

1.3 Federal regulation Express

Fair Credit Reporting Act (15 USC 1681–1681d) Implied

Fraud and false statements including 1033 waiver (18 USC 1033, Apparent
1034)
Responsibilities to the applicant/insured
Other federal regulations (e.g., Do Not Call List)
(https://www.donotcall.gov/) 2.4 Contracts

2.0 General Insurance 10% Elements of a legal contract

2.1 Concepts Offer and acceptance
Risk management key terms Consideration
Risk Competent parties
Exposure Legal purpose
Hazard Distinct characteristics of an insurance contract

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 Contract of adhesion Vision care

Aleatory contract Critical illness

Personal contract Dental

Unilateral contract Hearing

Conditional contract Group supplemental

Legal interpretations affecting contracts Travel

Ambiguities in a contract of adhesion Short-term major medical

Reasonable expectations Medicare supplement & Part D (OAC 3901-8-08)

Indemnity 3.5 Common exclusions from coverage

Utmost good faith War or act of war

Representations/misrepresentations Elective cosmetic surgery

Warranties Workers' compensation

Concealment Commission or attempt of a felony

Fraud State child health program

Waiver and estoppel 3.6 Agent responsibilities in individual health insurance

3.0 Accident and Health Insurance Basics 15% Marketing requirements

3.1 Definitions of perils Advertising

Accidental injury Life and Health Insurance Guaranty Association (3956.04, .06, .18;
3901-1-52)
Sickness
Sales presentations
3.2 Principal types of losses and benefits
Outline of coverage
Loss of income from disability
Common situation for omission/errors
Medical expense
Field underwriting
Dental expense
Nature and purpose
Vision expense
Disclosure of information about individuals
Long-term/home health care expense
Application procedures
3.3 Classes of health insurance policies
Requirements at delivery of policy
Individual versus group
Employee waiver form
Private versus government
Medicare Marketing Rules for Center for Medicare and Medicaid
Limited versus comprehensive Services (CMS) & Ohio

Self-funded/ERISA 3.7 Individual underwriting by the insurer

Employee association Criteria

3.4 Limited policies Unfair discrimination (3923.15; 3901.21)

Limited perils and amounts Genetic testing (3901.491, .501)

Required notice to insured Sources of underwriting information (3904; 3901.21(M))

Types of limited policies Application

Accident-only Agent report

Specified (dread) disease Attending physician statement

Hospital indemnity (income) Investigative consumer (inspection) report

Credit disability Medical Information Bureau (MIB)

Medical examinations and lab tests (including HIV consent)
Blanket insurance (teams, passengers, other) (3923.13) (3901.46(A), (B)(1))
Prescription drugs Classification of risks

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 Preferred Nonrenewable (cancelable, term)

Standard 5.0 Disability Income and Related Insurance 8%

Substandard 5.1 Qualifying for disability benefits

Declined Inability to perform duties

3.8 Considerations in replacing accident and health insurance Own occupation

Waiting period Any occupation

State requirements Pure loss of income (income replacement contracts)

Benefits, limitations and exclusions Presumptive disability

Underwriting requirements Requirement to be under physician care

Agent liability for errors and omissions State minimum benefit standards and exclusions
4.0 Individual Accident and Health Insurance Policy General 5.2 Individual disability income insurance
Provisions 9%
Basic total disability plan
4.1 Standard provisions (3923.04)
Income benefits (monthly indemnity)
Entire contract; changes (A)
Elimination and benefit periods
Time limit on certain defenses (B)
Waiver of premium feature
Grace period (C)
Coordination with social insurance and workers' compensation
Reinstatement (D) benefits
Claim procedures (E-I) Additional monthly benefit (AMB)
Physical examinations and autopsy (J) Social insurance supplement (SIS)
Legal actions (K) Occupational versus nonoccupational coverage, eligibility and
benefits
Change of beneficiary (L)
At-work benefits
Cancellation by insured (M)
Partial disability benefit
4.2 Optional provisions (3923.05)
Residual disability benefit
Change of occupation (A)
Other provisions affecting income benefits
Misstatement of age (B)
Cost of living adjustment (COLA) rider
Other insurance in this insurer (C)
Future increase option (FIO) rider
Insurance with other insurers
Relation of earnings to insurance (3923.05(F))
Expense-incurred benefits (D)
Other cash benefits
Other than expense-incurred basis (E)
Accidental death and dismemberment
Unpaid premium (G)
Rehabilitation benefit
Conformity with state statutes (H)
Medical reimbursement benefit (non-disabling injury)
Illegal occupation (I)
Benefit and Refund provisions
4.3 Other general provisions
Return of premium
Right to examine (free look) (3923.31)
Cost of living adjustment
Insuring clause
Future increase option
Consideration clause
Annual renewable term
Subrogation
Change of occupation
Renewability clause
Cash surrender value
Non-cancelable
Exclusions
Guaranteed renewable
5.3 Unique aspects of individual disability underwriting
Conditionally renewable
Occupational considerations
Renewable at option of insurer

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 Benefit limits PCP referral (gatekeeper PPO)

Policy issuance alternatives Indemnity plan features

5.4 Group disability income insurance HIC plan features

Group versus individual plans Consumer Driver Plans

Short-term disability (STD) Ohio Children's Health Insurance Program (5160; 5161)

Long-term disability (LTD) 6.3 Cost containment in health care delivery

5.5 Business disability insurance Cost-saving services

Key person disability income Preventive care

Business overhead expense policy Hospital outpatient benefits

Disability buy-sell policy Alternatives to hospital services

Reducing term Utilization management reviews

5.6 Social Security disability Prospective review

Qualification for disability benefits Concurrent review

Definition of disability Retrospective

Waiting period Grievance procedures

Disability income benefits Prior authorization procedures (3923.041, 1751.72)

5.7 Workers' compensation 6.4 Ohio requirements (individual and group)

Eligibility Eligibility requirements

Benefits Dependent child coverage (3923.24, .56; 1751.14, 3923.241)

6.0 Medical Plans 9% Newborn child coverage (3923.26; 1751.61)

6.1 Medical plan concepts Coverage of adopted children (3923.40; 3924.51; 1751.59)

Fee-for-service basis versus prepaid basis Enrollment

Specified coverages versus comprehensive care Special Enrollment Period

Benefit schedule versus usual/reasonable/customary charges Non-custodial parent

Any provider versus limited choice of providers Grandchildren

Insureds versus subscribers/participants Immunizations

6.2 Types of providers and plans Physically/mentally handicapped coverage

Major medical insurance (indemnity plans) Women's benefits

Characteristics Cytologic screening and mammography (3923.52; 1751.62)

Common limitations Infertility

Exclusions from coverage Maternity

Provisions affecting cost to insured Postpartum

Health insuring corporations (HICs)(formerly known as health Coordination of benefits provision
maintenance organizations)
6.5 HIPAA (Health Insurance Portability and Accountability Act)
Preferred provider organizations (PPOs) requirements
General characteristics Eligibility

In and out of network Privacy

Types of parties to the provider contract Guaranteed issue

Point-of-service (POS) plans Renewability

Nature and purpose Mental health parity

Out-of-network provider access Security provisions

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6.6 Health Savings Accounts (HSAs) and Flexible Spending Accounts Prescription drug services
(FSAs)
Nursing services
Definition
Physical therapy
Eligibility
Chiropractic services
Contribution limits
Specialty Health Care Services (1751.01 (C))
6.7 PPACA (Patient Protection and Affordable Care Act)
7.3 HIC certification and regulation
Adverse benefit determination (3922.01-.23) Solicitation documents (1751.31)
Rollout schedule Advertising (1751.20)
Employer compliance Confidentiality of medical and health information (1751.52)
Department of labor audits Contractual plan
Types of plans Evidence of coverage (1751.11, .33)
Enrollment periods Benefits and exclusions
Healthcare.gov versus private plans Open enrollment provision
Statement of benefits, coverages and uniform glossary Member rights (1751.18)
7.0 Health Insuring Corporations (HICs) 6% Renewal (1751.18)
7.1 General characteristics 8.0 Group Accident and Health Insurance 9%
Combined health care delivery and financing 8.1 Characteristics of group insurance
Structure and providers Group contract
Limited service area Certificate of coverage
Limited choice of providers Experience rating versus community rating
Gatekeeper concept/Primary care physician versus referral
8.2 Types of eligible groups
(specialty) physician
Copayments Employment-related groups

Prepaid basis Individual employer groups

7.2 HIC services (1751.01) Multiple-Employer Trusts (METs) or Welfare Arrangements

(MEWAs) (Chapter 1739)
Basic health services (1751.01 (A))
Associations
Preventive care services
Blanket (3923.13)
Physician services
Students health plans
Emergency care
Customer groups (depositors, creditor-debtor, other)
Urgent care
8.3 Marketing considerations
Hospital services
Advertising
Outpatient services
Regulatory jurisdiction/place of delivery
Diagnostic services
Disclosure form
Cancer clinical trials
8.4 Employer group health insurance
Supplemental health care services (1751.01(B))
Insurer underwriting criteria
Intermediate or long-term care facilities
Characteristics of group
Dental care
Nondiscrimination
Vision care
Plan design factors
Podiatric care
Contributory/non-contributory
Mental health services
Persistency factors
Alcohol and drug abuse treatment
Administrative capability
Home health services

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 State requirements Benefit categories

Eligibility for coverage Diagnostic/preventive services

Annual open enrollment Basic services

Part-time employees Major services

Dependent, spousal eligibility Deductibles and coinsurance

Domestic partners/civil unions Combination plans

Coordination of benefits provision Exclusions

Change of insurance companies or loss of coverage Limitations

Coinsurance and deductible carryover Predetermination of benefits

No-loss no-gain 9.3 Employer group dental expense

Events that terminate coverage Integrated deductibles versus stand-alone plans

Extension of benefits Minimizing adverse selection

Continuation of coverage under COBRA 29 USC1161 and Ohio- Stand-alone plans
specific rules (3923.38)
10.0 Insurance for Senior Citizens and Special Needs Individuals
Cancellation or nonrenewal 15%
Reinstatement for military personal 10.1 Medicare

8.5 Small employer medical plans Nature, financing, administration and terminology

Definition of small employer (3924.01(N)) Part A — Hospital Insurance

Eligibility of employees (3924.01(G)) Individual eligibility requirements

Open/late enrollment (3924.01(I)) Enrollment

Service waiting period (3924.01(M) Coverages and cost-sharing amounts

Guaranteed issue (3924.03(E)) Exclusions

Renewability (3924.03(B)) Part B — Medical Insurance

Premium rates (3924.04) Individual eligibility requirements

Disclosure rules (3924.033) Enrollment

9.0 Dental Care Plans 3% Coverages and cost-sharing amounts

9.1 Categories of dental treatment Exclusions

Diagnostic and preventive Claims terminology and other key terms

Restorative Part C — Medicare Advantage

Oral surgery Nature, financing, administration and terminology

Endodontics Eligibility Requirements

Periodontics Enrollment timelines

Prosthodontics Plan types and definitions

Orthodontics Coverages and cost-sharing amounts

9.2 Indemnity plans Supplemental Benefits

Choice of providers Exclusions/limitations

Network versus out-of-network Part D — Prescription Drug Insurance

Scheduled versus nonscheduled plans Nature, financing, administration and terminology

Deductibles Eligibility and enrollment

Coinsurance Coverage, formulary, tiering, exceptions/appeals

Exclusions, limitations Cost Sharing, premium, deductible, coverage gap, catastrophic

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 Low Income Subsidy Intermediate care

Late enrollment penalty Custodial care

Limitations- Prior auth, step therapy, quantity limits Home health care

Preferred, network pharmacies Adult day care

10.2 Medicare supplements (3923.33, Respite care
.338.331-.336; OAC 3901-8-08 Amended, including Appendix
C and D) Assisted living
Purpose Benefit periods
Open enrollment Benefit amounts
Solicitation of Medicare supplements (3901-8-09) Optional benefits
Standardization Medicare supplement plans Guarantee of insurability
Core benefits Return of premium
Additional benefits Qualified LTC plans
Ohio regulations and required provisions Exclusions
Standards for marketing Underwriting considerations
Certification requirements Ohio regulations and required provisions
Advertising Standards for marketing (3901-4-01(V))
Appropriateness of recommended purchase and excessive Advertising (3901-4-01(U))
insurance
Appropriateness of recommended purchase (3901-4-01(W))
Outline of coverage
Inflation protection (3901-4-01(M))
Right to return (free look)
Replacement (3901-4-01 (N)))
Replacement
Unintentional lapse (3901-4-01(G))
Required disclosure provisions
Outline of coverage (3901-4-01, (DD); 3923.44(I))
Permitted compensation arrangements
Shopper's guide (3901-4-01(EE))
Notice of change
Pre-existing conditions (3923.44(B)(4)(5), (D))
Guaranteed issue
11.0 Federal Tax Considerations for Accident and Health Insurance
Medicare SELECT
6%
10.3 Other options for individuals with Medicare 11.1 Personally-owned health insurance
Employer group health plans Disability income insurance
Disabled employees Benefits subject to FICA
Employees with kidney failure Medical expense insurance
Individuals age 65 or older Long-term care insurance
Connector Models 11.2 Employer group health insurance
Medicaid Disability income (STD, LTD)
Eligibility Benefits subject to FICA
Benefits Medical, dental and vision expense
Differences Long-term care insurance
10.4 Long-term care (LTC) policies (3901-4-01; 1751.63, 3923.41- Accidental death and dismemberment
.50)
11.3 Medical expense coverage for sole proprietors and partners
LTC, Medicare and Medicaid compared
11.4 Business disability insurance
Eligibility for benefits
Key person disability income
Levels of care
Buy-sell policy
Skilled care

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11.5 Medical Savings Accunts (MSAs) and Health savings accounts Insolvency (3903.01(O))
(HSAs)
11.6 Health Reimbursement Accounts (HRAs) Policy forms/rates/exceptions (3935.04;
3937.03)

Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07,

3929.11)

Unfair trade and claims settlement practices (3901.19-26; 3901-1-

OHIO PROPERTY INSURANCE AGENT 07; 3901-1-54))
SERIES 11-46
Agent regulation
100 questions – 2 Hours
Commissions, compensations, fees (3905.18, .181; 3901-5-09(N),
3905.55)
1.0 Insurance Regulation 10% Reporting of felony and crimes of moral turpitude (3905.14 (B)(6),
(B)(7), .22)
1.1 Licensing
Policy/application signature (3905.14(B)(11), (26))
Maintenance and duration (3905.06, .16; 3901-5-09)
Appointment procedures
Requirements (3905.02, .04, .05, .051, .06; 3901-5-09)
Agent appointment (3905.20; 3901-5-09(K))
Resident/nonresident (3905.06, .061, .07, .071)
Cancellation of appointment (3905.16(B)(1))
Change in name, address, email, telephone number (3905.061,
3905.071; 3901-5-09) Termination notification (3905.21)

Renewal/nonrenewal (3905.06; 3901-5-09(J)) Unfair insurance trade practices (3901.20, .21)

Temporary license (3905.09) Rebating (3933.01; 3999.05)

Duty to report criminal convictions and administrative Premium refunds and other incentives (3905.14(B)(32); 3999.05,
disciplinary actions (3905.22) Bulletin 2009-13)

Assumed business names (3905.11) False advertising (3901.21 (A), (B), (D), .24; 3905.43; 3999.10,
.11)
Continuing education including exemptions and penalties Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
(3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
Defamation of insurer (3901.21(C ); 3999.09)
Inactivity due to military service (3905.06(G)); 3901-5-09(J))
Inactivity due to extenuating circumstances (3905.06(G); 3901- Unfair discrimination (3901.21(L), (M))
5-09(J)) Illegal inducements (3933.01; Bulletin 2009-13)
Disciplinary actions (3905.14)
General grounds for disciplinary action (3905.14(B))
License denial, probation, surrender, suspension, revocation, or
refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901- Examination of books and records (3901.04, .07)
5-12)
Insurance fraud regulation (3999.21, .31, .37, .41, .42;
Failure to pay taxes (3905.14(B)(14)) 2913.47, 3901.44)
Failure to appear for an interview (3905.14(B)(22)) Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14,
3965.01-.11)
Failure to provide department with a written response Consumer information/fees (3905.55; 3905.181)
(3905.14(B)(21))
Penalties and fines for violations (3901.22(D), (F), 3905.14(B), 1.3 Federal regulation
(D), (H), .99)
Fair Credit Reporting Act (15 USC 1681–1681d)
Cease and desist orders (3901.221; 3905.14(G), 3901.22(D))
Fraud and false statements including 1033 waiver (18 USC 1033,
Civil 1034)

Criminal Other federal regulations (e.g., Do Not Call List)

(https://www.donotcall.gov/)
Hearings (3901.22; 3905.14(C); ORC 119)
2.0 General Insurance 10%
Consent/Settlement agreements (3901.22(G))
2.1 Concepts
1.2 State regulation
Risk management key terms
Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
Risk
Negotiate, sell, solicit (3905.01, .02)
Exposure
Director's general duties and powers (3901.01, 3901.011, .04, .041;
3905.12) Hazard
Company regulation
Peril
Certificate of authority (3925.11, 3927.01, 3929.01)
Loss

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 Methods of handling risk Aleatory contract

Avoidance Personal contract

Retention Unilateral contract

Sharing Conditional contract

Reduction Legal interpretations affecting contracts

Transfer Ambiguities in a contract of adhesion

Elements of insurable risks Reasonable expectations

Adverse selection Indemnity

Law of large numbers Utmost good faith

Reinsurance Representations/misrepresentations

Indemnity/pay on behalf of Warranties

2.2 Insurers Concealment

Types of insurers Fraud

Stock companies Waiver and estoppel

Mutual companies 3.0 Property Insurance Basics 20%

Fraternal benefit societies 3.1 Principles and concepts

Reciprocals Insurable interest

Lloyd's associations Underwriting

Risk retention groups Credit scores

Surplus lines Loss ratio

Authorized/admitted versus unauthorized/non-admitted insurers Rates

Domestic, foreign and alien insurers Types

Financial solvency status (e.g., A.M. Best, Standard and Poor's, Loss costs
Moody's, NAIC)
Components
Marketing (distribution) systems
Hazards
2.3 Agent and general rules of agency
Physical
Insurer as principal
Moral
Agent/insurer relationship
Morale
Authority and powers of agents
Negligence
Express
Elements of a negligent act
Implied
Defenses against negligence
Apparent
Damages
Responsibilities to the applicant/insured
Compensatory — special versus general
2.4 Contracts
Punitive
Elements of a legal contract
Types of liability
Offer and acceptance
Absolute
Consideration
Strict
Competent parties
Vicarious
Legal purpose
Causes of loss (perils)
Distinct characteristics of an insurance contract
Direct loss
Contract of adhesion
Consequential loss

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 Indirect loss Assignment

Named perils versus special (open) perils Abandonment

Blanket versus specific insurance Policy provisions

Basic types of construction Liberalization

Loss valuation Subrogation

Actual cash value Salvage

Replacement cost Claim settlement options

Functional replacement cost Replacement cost vs. actual cash value

Market/agreed value Duty to defend

Valued amount Third-party provisions

Stated amount Standard mortgage clause

3.2 Policy structure Loss payable clause

Declarations No benefit to the bailee

Definitions Additional insured

Insuring agreement or clause 3.4 Ohio laws, regulations and required provisions

Additional/supplementary coverage Ohio Valued Policy Law (3929.25)

Conditions Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)

Exclusions Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411,

3937.47; 3901-1-18(D))
Endorsements
Binders (4509.56; 3901-1-18(I))
3.3 Common policy provisions
Controlled business (3905.61-.65))
Insureds — named, first named, additional
Retaliatory provisions (3901.86)
Policy period
Concealment, misrepresentation or fraud (2913.47, 3999.31)
Policy territory
Declination of insurance and unfair discrimination (3901.21(L), (M))
Cancellation and nonrenewal
Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
Deductibles
Terrorism Risk Insurance Program Reauthorization Act of 2015 (15
Coinsurance USC 6701) (Bulletin 2015-2)
Unfair Property/Casualty Claims Settlement Practices (3905.55;
Other insurance 3901-1-54; 3901-1-07)
Non-concurrency Fire Loss - Treasury Certificate/Demolition Fund (3929.86)

Primary and excess 4.0 Dwelling ('14) Policy 14%

Pro rata 4.1 Characteristics and purpose

Contribution by equal shares Eligibility

Limits of liability insurance Cancellation/renewal

Per occurrence (accident) Reasons

Per person Notice

Aggregate — general versus products — completed operations 4.2 Coverage forms — Perils insured against

Split Basic

Combined single Broad

Restoration/non-reduction of limits Special

Vacancy or un-occupancy 4.3 Property coverages

Named insured provisions Coverage A — Dwelling

Duties after loss Coverage B — Other structures

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 Coverage C — Personal property One or more coverage parts

Coverage D — Fair rental value 6.2 Commercial property ('12)

Coverage E — Additional living expense Definitions, conditions, exclusions

Other coverages Coverage forms

4.4 General exclusions Building and personal property

4.5 Conditions and definitions Condominium association

4.6 Selected endorsements Condominium commercial unit-owners

Special provisions — Ohio (DP 01 34) Builders risk

Automatic increase in insurance (DP 04 11) Business income

Broad theft coverage (DP 04 72) Legal liability

Dwelling under construction (DP 11 43) Extra expense

4.7 Personal liability supplement Causes of loss forms

Cancellation/nonrenewal Basic

5.0 Homeowners ('11) Policy 18% Broad

5.1 Eligibility and definitions Special

5.2 Coverage forms Selected endorsements

HO-2 through HO-6 Ordinance or law (CP 04 05)

HO-8 Spoilage (CP 04 40)

5.3 Section I — Property coverages Peak season limit of insurance (CP 12 30)

Coverage A — Dwelling Value reporting form (CP 13 10)

Coverage B — Other structures 6.3 Commercial inland marine ('13)

Coverage C — Personal property Nationwide marine definition

Coverage D — Loss of use Commercial Inland marine conditions forms

Additional coverages Commercial inland marine coverage forms

5.5 Perils insured against Accounts receivable

5.6 Exclusions Bailee's customer

5.7 Conditions Commercial articles

5.8 Selected endorsements Contractors equipment floater

Special provisions — Ohio (HO 01 34) Electronic data processing

Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 Equipment dealers
27)
Installation floater
Permitted incidental occupancies (HO 04 42)
Jewelers block
Earthquake (HO 04 54)
Signs
Scheduled personal property (HO 04 61)
Valuable papers and records
Personal property replacement cost (HO 04 90)
Transportation coverages
Home day care (HO 04 97)
Common carrier cargo liability
6.0 Commercial Package Policy (CPP) 16%
Motor truck cargo forms
6.1 Components of a commercial policy
Transit coverage forms
Common policy declarations
6.4 Equipment breakdown ('13)
Common policy conditions
Definitions, coverages and exclusions (EB 00 20)
Interline endorsements
Equipment breakdown protection coverage form (EB 00 20)

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 Selected endorsements Perils

Business income - Report of values (EB R 002) Drone coverage

Actual cash value (EB 99 59) General and particular average

6.5 Farm coverage 8.2 Ocean marine insurance

Farm property coverage forms ('16) Major coverages

Coverage A — Dwellings Hull insurance

Coverage B — Other private structures Cargo insurance

Coverage C — Household personal property Freight insurance

Coverage D — Loss of use Protection and indemnity

Coverage E — Scheduled farm personal property Implied warranties

Coverage F — Unscheduled farm personal property Perils

Coverage G — Other farm structures General and particular average

Livestock coverage form 8.3 National Flood Insurance Program

Mobile agricultural machinery and equipment coverage form "Write your own" versus government

Cause of loss (basic, broad and special) Eligibility

Additional coverages Coverage

Eligibility Limits

Exclusions Deductibles

Limits of insurance 8.4 Other policies

Conditions Boat owners

Definitions Personal watercraft

7.0 Businessowners ('13) Policy 6% Recreational vehicles

7.1 Characteristics and purpose Difference in conditions

7.2 Businessowners Section I — Property 8.5 Residual markets

Definitions FAIR plans (3929.41-.49; 3901-1-18)

General conditions Commercial Insurance Joint Underwriting Association (3930.01-.18)

Loss conditions

Exclusions OHIO CASUALTY INSURANCE AGENT

SERIES 11-47
Coverage

Limits of insurance 100 questions – 2 Hours

Deductibles
1.0 Insurance Regulation 10%
Optional coverages
1.1 Licensing
7.3 Businessowners Section III — Common Policy Conditions
Maintenance and duration (3905.06, .16; 3901-5-09)
7.4 Selected endorsements
Requirements (3905.02, .04, .05, .051, .06; 3901-5-09)
Protective safeguards (BP 04 30)
Resident/nonresident (3905.06, .061, .07, .071)
Utility services — direct damage (BP 04 56)
Change in name, address, email, telephone number (3905.061,
Utility services — time element (BP 04 57) 3905.071; 3901-5-09)

8.0 Other Coverages and Options 6% Renewal/nonrenewal (3905.06; 3901-5-09(J))

8.1 Aviation insurance Temporary license (3905.09)

Hull, cargo, freight Duty to report criminal convictions and administrative

disciplinary actions (3905.22)
Implied warranties

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 Assumed business names (3905.11) False advertising (3901.21(A), (B), (D), .24; 3905.43; 3999.10, .11)

Continuing education including exemptions and penalties Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
(3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
Defamation of insurer (3901.21(C ); 3999.09)
Inactivity due to military service (3905.06(G)); 3901-5-09(J))
Unfair discrimination (3901.21(L), (M))
Inactivity due to extenuating circumstances (3905.06(G); 3901-
5-09(J)) Illegal inducements (3933.01;Bulletin 2009-13)

Disciplinary actions (3905.14) General grounds for disciplinary action (3905.14(B))

License denial, probation, surrender, suspension, revocation, or Examination of books and records (3901.04, .07)
refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-
5-12) Insurance fraud regulation (3999.21, .31, .37, .41, .42;
Failure to pay taxes (3905.14(B)(14)) 2913.47, 3901.44)
Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14,
Failure to appear for an interview (3905.14(B)(22)) 3965.01-.11)
Failure to provide department with a written response Consumer information/fees (3905.55; 3905.181)
(3905.14(B)(21))
1.3 Federal regulation
Penalties and fines for violations (3901.22(D), (F), 3905.14(B),
(D), (H), .99) Fair Credit Reporting Act (15 USC 1681–1681d)

Cease and desist orders (3901.221; 3905.14(G), 3901.22(D)) Fraud and false statements including 1033 waiver (18 USC 1033,
1034)
Civil
Other federal regulations (e.g., Do Not Call List)
Criminal (https://www.donotcall.gov/)

Hearings (3901.22; 3905.14(C); ORC 119) 2.0 General Insurance 10%

Consent/Settlement agreements (3901.22(G)) 2.1 Concepts

1.2 State regulation Risk management key terms

Acts constituting insurance transactions (3901.17; 3905.02, 3905.42) Risk

Negotiate, sell, solicit (3905.01, .02) Exposure

Director's general duties and powers (3901.01, 3901.011, .04, .041; Hazard
3905.12)
Peril
Company regulation
Loss
Certificate of authority (3925.11, 3927.01, 3929.01)
Methods of handling risk
Insolvency (3903.01(O))
Avoidance
Policy forms/rates/exceptions (3935.04; 3937.03)

Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07, Retention

3929.11)
Sharing
Unfair trade and claims settlement practices (3901.19-26; 3901-1-
07; 3901-1-54)) Reduction

Agent regulation Transfer

Commissions, compensations, fees (3905.18, .181; 3901-5-09(N), Elements of insurable risks

3905.55)
Adverse selection
Reporting of felony and crimes of moral turpitude (3905.14
(B)(6), (B)(7), .22) Law of large numbers
Policy/application signature (3905.14(B)(11), (26)) Reinsurance
Appointment procedures Indemnity/pay on behalf of
Agent appointment (3905.20; 3901-5-09(K)) 2.2 Insurers
Cancellation of appointment (3905.16(B)(1)) Types of insurers
Termination notification (3905.21) Stock companies
Unfair insurance trade practices (3901.20, .21) Mutual companies
Rebating (3933.01; 3999.05) Fraternal benefit societies
Premium refunds and other incentives (3905.14(B)(32); 3999.05,
Reciprocals
Bulletin 2009-13)

WWW.PSIEXAMS.COM 60
 Lloyd's associations Underwriting

Risk retention groups Credit scores

Surplus lines Loss ratio

Authorized/admitted versus unauthorized/non-admitted insurers Rates

Domestic, foreign and alien insurers Types

Financial solvency status (e.g., A.M. Best, Standard and Poor's, Loss costs
Moody's, NAIC)
Components
Marketing (distribution) systems
Hazards
2.3 Agent and general rules of agency
Physical
Insurer as principal
Moral
Agent/insurer relationship
Morale
Authority and powers of agents
Negligence
Express
Elements of a negligent act
Implied
Defenses against negligence
Apparent
Damages
Responsibilities to the applicant/insured
Compensatory — special versus general
2.4 Contracts
Punitive
Elements of a legal contract
Types of liability
Offer and acceptance
Absolute
Consideration
Strict
Competent parties
Vicarious
Legal purpose
3.2 Policy structure
Distinct characteristics of an insurance contract
Declarations
Contract of adhesion
Definitions
Aleatory contract
Insuring agreement or clause
Personal contract
Additional/supplementary coverage
Unilateral contract
Conditions
Conditional contract
Exclusions
Legal interpretations affecting contracts
Endorsements
Ambiguities in a contract of adhesion
3.3 Common policy provisions
Reasonable expectations
Insureds — named, first named, additional
Indemnity
Policy period
Utmost good faith
Policy territory
Representations/misrepresentations
Cancellation and nonrenewal
Warranties
Deductibles
Concealment
Coinsurance
Fraud
Other insurance
Waiver and estoppel
Non-concurrency
3.0 Casualty Insurance Basics 15%
Primary and excess
3.1 Principles and concepts
Pro rata
Insurable interest
Contribution by equal shares

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 Limits of liability insurance Special provisions — Ohio (HO 01 34)

Per occurrence (accident) Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04
27)
Per person
Permitted incidental occupancies (HO 04 42)
Aggregate — general versus products — completed operations
Home day care (HO 04 97)
Split
Business pursuits (HO 24 71)
Combined single
Watercraft (HO 24 75)
Named insured provisions
Personal injury (HO 24 82)
Duties after loss
5.0 Auto Insurance 17%
Assignment
5.1 Laws
Abandonment
Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81))
Policy provisions
Required limits of liability (4509.51)
Liberalization
Uninsured/underinsured motorist
Subrogation
Definitions (3937.18(A),(B),(C)
Claim settlement options
Bodily injury (3937.18(B),(C))
Replacement cost vs. actual cash value
Property damage (3937.181)
Duty to defend
Stacked and non-stacked (3937.18(F), (G))
3.4 Ohio laws, regulations and required provisions
Required limits (4509.51)
Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)
Intrafamily liability exclusion (3937.46)
Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411,
3937.47; 3901-1-18(D)) Cancellation/nonrenewal (3937.30-.411, .47)
Binders (4509.56; 3901-1-18(I)) Reasons
Controlled business (3905.61-.65)) Notice
Retaliatory provisions (3901.86) Prohibition against use of intrafamily liability exclusion (3937.46)
Concealment, misrepresentation or fraud (2913.47, 3999.31) Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54(H)(4))
Declination of insurance and unfair discrimination (3901.21(L), (M)) 5.2 Personal ('05) auto policy
Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48) Eligibility, definitions, and conditions
Terrorism Risk Insurance Program Reauthorization Act of 2015 (15 Liability coverages
USC 6701) (Bulletin 2015-02)
Combined single limits versus split limits
Unfair Property/Casualty Claims Settlement Practices (3905.55;
3901-1-54; 3901-1-07) Bodily injury and property damage
Fire Loss - Treasury Certificate/Demolition Fund (3929.86) Supplementary payments
4.0 Homeowners ('11) Policy 15% Exclusions
4.1 Eligibility and definitions Medical payments coverage
4.2 Coverage forms Uninsured/underinsured motorist coverage
HO-2 through HO-6 Bodily injury
HO-8 Property damage
4.3 Section II — Liability coverages Required limits
Coverage E — Personal liability Coverage for damage to your auto
Coverage F — Medical payments to others Collision
Additional coverages Other than collision
4.4 Exclusions Deductibles
4.5 Conditions Transportation expenses
4.6 Selected endorsements

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 Exclusions Common policy conditions

Substitute transportation Interline endorsements

Towing and labor (PP 03 03) One or more coverage parts

Duties after an accident or loss 6.2 Commercial general liability ('13)

General provisions Commercial general liability coverages

Selected endorsements Bodily injury and property damage liability

Amendment of policy provisions — Ohio (PP 01 86) Personal and advertising injury liability

Extended non-owned coverage (PP 03 06) Medical payments

Miscellaneous type vehicle (PP 03 23) Supplementary payments

Joint ownership coverage (PP 03 34) Fire legal liability

5.3 Commercial auto ('13) Limits of insurance

Commercial auto coverage forms Exclusions

Business auto Conditions

Garage Definitions

Business auto physical damage Claims-made features

Truckers Trigger

Motor carrier Retroactive date

Coverage form sections Extended reporting periods

Symbols/covered autos Claim information

Liability coverage Occurrence versus claims-made

Garage keepers coverage Premises and operations

Trailer interchange coverage Per occurrence/aggregate

Physical damage coverage Products and completed operations

Eligibility Insured contract

Exclusions Contingent liability

Conditions Pollution liability

Definitions Coverage form

Selected endorsements Limited coverage form

Lessor — additional insured and loss payee (CA 20 01) Extension endorsement

Mobile equipment (CA 20 15) 6.3 Commercial Crime ('15)

Auto medical payments coverage (CA 99 03) General definitions

Drive other car coverage (CA 99 10) Burglary

Individual named insured (CA 99 17) Theft

Employees as insureds Robbery

Commercial carrier regulations Crime coverage forms

The Motor Carrier Act of 1980 Commercial crime coverage forms (discovery/loss sustained)

Endorsement for motor carrier policies of insurance for public Government crime coverage forms (discovery/loss sustained)
liability (MCS-90)
Coverages
6.0 Commercial Package Policy (CPP) 13%
Employee theft
6.1 Components of a commercial policy
Forgery or alteration
Common policy declarations
Inside the premises — theft of money and securities

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 Inside the premises — robbery or safe burglary of other property Compulsory versus elective (4123.12, .35, .54)

Outside the premises Monopolistic versus competitive

Computer fraud Ohio Workers' Compensation Law (Chapter 4123)

Funds transfer fraud Exclusive remedy (4123.54)

Money orders and counterfeit money Employment covered (required, voluntary) (4123.01, .28, .54))

Other crime coverage Covered injuries (4123.54, .55, .84)

Extortion — commercial entities (CR 04 03) Occupational disease (4123.01(F))

Lessees of safe deposit boxes Benefits provided (4123.30, .54, .55-.59, .60-.61, .66)

Securities deposited with others Second/subsequent injury fund

Guests' property Federal workers' compensation laws

Safe depository Longshore and Harbor Workers' Compensation Act (33 UC 904)

6.4 Farm coverage Federal Employers Liability Act

Farm liability coverage forms ('16) The Jones Act

Coverage H — Bodily injury and property damage liability 8.2 Workers' compensation and employers liability insurance policy

Coverage I — Personal and advertising injury liability Part One — Workers' compensation insurance

Coverage J — Medical payments Part Two — Employers liability insurance

Cause of loss (basic, broad and special) Part Three — Other states insurance

Additional coverages Part Four — Your duty if injury occurs

Eligibility Part Five — Premium

Exclusions Part Six — Conditions

Limits of insurance 8.3 Selected endorsements and rating factors

Conditions Foreign coverage

Definitions Voluntary compensation

7.0 Businessowners ('13) Policy 6% All states

7.1 Characteristics and purpose Job classification

7.2 Businessowners Section II — Liability Payroll

Eligibility Experience modification factor

Coverages Premium discounts

Exclusions Participation plans

Limits of insurance 9.0 Other Coverages and Options 6%

General conditions 9.1 Umbrella/excess liability policies

Definitions Personal (DL 98 01)

7.3 Businessowners Section III — Common Policy Conditions Commercial (CU 00 01)

7.4 Selected endorsements 9.2 Specialty liability insurance

Hired auto and non-owned auto liability (BP 04 04) Professional liability

Protective safeguards (BP 04 30) Errors and omissions

Utility services — direct damage (BP 04 56) Directors and officers liability

Utility services — time element (BP 04 57) Fiduciary liability

8.0 Workers' Compensation Insurance 8% Liquor liability

8.1 Workers' compensation laws Employment practices liability

Types of laws Employee Benefits

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 Identity Fraud Expense Coverage Eligibility

9.3 Surplus lines Coverage

Eligibility Limits

Definitions and non-admitted markets Deductibles

Licensing requirements 9.9 Residual markets

9.4 Surety bonds Ohio Automobile Insurance Plan (4509.70)

Nature of bonds

Bond period

Discovery bond

Limit of liability

Termination of coverage

Parties to a bond

Principal, obligee, surety

Purpose of bonds

Surety, fidelity

Types of fidelity bonds

Employee theft, public official, financial institution, fiduciary

Types of surety bonds

Contract, license, judicial, permit

9.5 Aviation insurance

Aircraft liability

Hull, cargo, freight

Implied warranties

Perils

Drone coverage

General and particular average

9.6 Ocean marine insurance

Policy provisions

Protection and indemnity

Implied warranties

Perils

General and particular average

Coverage Forms
Floaters - e.g., personal articles, jewelry, and effects, fine arts,
camera, musical instruments
9.7 Other policies

Boat owners

Personal watercraft

Recreational vehicles

9.8 National Flood Insurance Program

"Write your own" versus government

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 OHIO INSURANCE
EXAMINATION REGISTRATION FORM

Be prepared with the following information before you begin the registration process. Read the Candidate Information Bulletin before filling out this
registration form. You must provide all information requested and submit the appropriate fee. Registration forms that are incomplete or not
accompanied by the proper fee will be returned unprocessed. Examination fees are not refundable or transferable.

Last Name Full First Name Full Middle Name

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_________/__________/__________
Mailing Address

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(_________) __________ - ___________________

E-mail Address

Examination (check one):

Examination Title
❑ Life, Accident and Health Insurance 11-35 ❑ Personal Lines Insurance 11-43
❑ Property and Casualty Insurance 11-36 ❑ Life Insurance 11-44
❑ Title Insurance 11-37 ❑ Accident and Health Insurance 11-45
❑ Public Adjuster 11-38 ❑ Property Insurance 11-46
❑ Surety Bail Bonds 11-42 ❑ Casualty Insurance 11-47
Check one:
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If you are registering by mail, email or fax complete and forward this registration form with the applicable examination fee to:

PSI Services LLC * ATTN: Examination Registration OH INS

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Email examschedule@psionline.com * Fax (702) 932-2666 * (800) 733-9267 * TTY (800) 735-2929 * www.psiexams.com

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 EXAMINATION ACCOMMODATIONS
OR OUT-OF-STATE TESTING REQUEST INSTRUCTIONS

All examination centers are equipped to provide access in accordance with the Americans with Disabilities Act (ADA) of 1990.

Applicants with disabilities or those who would otherwise have difficulty taking the examination should request for alternative
arrangements by Clicking Here.

Requirements for exam accommodation requests:

You are required to submit documentation from the medical authority or learning institution that rendered a diagnosis.
Verification must be uploaded to PSI on the letterhead stationery of the authority or specialist and include the following:
 Description of the disability and limitations related to testing
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MAKE SURE YOU ARE REGISTERED FOR THE EXAMINATION BEFORE

REQUESTING EXAMINATION ACCOMMODATIONS
 PSI Services LLC
3210 E Tropicana
Las Vegas, NV 89121