Insurance producer

Choose your state

What every state's exam covers

• Insurance basics and contract law

  Risk, insurable interest, how an insurance contract is formed, and what a producer may and may not do as an agent.

• Life insurance policies

  The kinds of life policy, and the riders, provisions and options written into them.

• Annuities and retirement

  How annuities work, where Social Security fits in, and how life insurance and annuities are taxed.

• Health and disability insurance

  Medical expense and group plans, disability income and long-term care.

• Applications and underwriting

  Completing the application, underwriting, delivering the policy and replacing an existing one.

• Your state's insurance law

  Licensing, producer conduct and the regulator's rules. This is the part that differs most from state to state.

How the states compare

Each state writes its own exam outline. State-specific objectives cover that state's own law; the rest is the same material everywhere.