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A. Life Insurance Planning – policy owner
rights, primary vs. contingent beneficiary, revocable vs. irrevocable
beneficiary, entire contract clause, incontestable clause, misstatement
of age clause, grace periods, reinstatement clause, suicide clause,
settlement options, life income settlement options, loan provisions,
life insurance dividends, dividend options, nonforfeiture provisions,
disability waiver of premium, accidental death benefit, guaranteed
insurability, common disaster clause, spendthrift clause, premium
calculations, insurance reserve, participating vs. nonparticipating,
term insurance, renewable vs. convertible term, pure vs. modified
endowment, whole life, variable life, universal life, first-to-die,
second-to-die, split dollar and policy ownership methods, buy-sell
agreements, cross purchase buy-sell, entity redemptions, human life
approach, needs approach, black-out period, annuity premium payments,
annuity benefit accumulation, annuity payout types, taxation of
proceeds, taxation of fixed annuities, taxation of variable annuities,
taxation of adjusted basis, taxation of withdrawals, inclusion of
proceeds in gross estate, incidents of ownership, revocable vs.
irrevocable life insurance trusts, funded vs. unfunded irrevocable
trusts, crummy power, first-to-die vs. second-to-die, insurance
rating companies.
B. Health & Social Security – guaranteed
renewal provisions, types of health coverage, hospital reimbursement
vs. hospital service contract, surgical reimbursement vs. surgical
service contract, major medical, stop loss, health maintenance organizations,
preferred provider organizations, COBRA, COBRA qualification, medical
savings accounts, taxation of contributions to MSAs, currently vs.
fully insured for social security, social security coverage, social
security old age benefits, social security survivors benefits, social
security disability, reduction or loss of benefits, taxation of
social security, medicare part A & B, medicare premiums, medicaid,
medigap insurance.
C. Disability & Workers Comp – short-term
disability, long-term disability, disability criteria, waiting period,
probation period, occupational vs. nonoccupational coverage, disability
benefit taxation, worker’s compensation principles, worker’s
compensation benefit classification, worker’s compensation
benefit taxation, unemployment insurance.
D. Homeowners Insurance – types of coverage,
types of property eligibility, replacement cost coverage, actual
cash value, types of homeowners insurance policies, components of
homeowner’s policies, dwelling coverage, loss formula for
coinsurance, other structures coverage, personal property coverage,
classes of property exclusions, special item limits, loss of use
coverage, personal liability coverage, medical payments to others
coverage, insured’s responsibilities after loss, settlement
options, event exclusions, HO2 vs. HO3 policies, HO6 policy, assignment
of ownership, roof damage, title insurance, inland marine forms,
boatowner’s policy.
E. Auto & Liability Insurance – comprehensive
personal liability policy, professional liability insurance, umbrella
policy, auto insurance, personal auto policy, vehicle requirements,
liability coverage, split limits, insured persons, insured vehicles,
liability exclusions, medical payments coverage, medical payment
exclusions, uninsured motorist coverage, uninsured motorist coverage,
physical damage coverage, collision coverage, comprehensive coverage.
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