Connecticut Producer's Examination for Accident and Health Insurance Series 18-02 - 100 Questions - 2-Hour Time Limit

Sep 25, 2026

Connecticut’s Accident and Health Insurance Producer’s Examination Series 18-02 outlines exam scope and weighting across insurance regulation, general insurance fundamentals, and health insurance basics. The document lists licensing and state regulation topics (including renewals, reporting actions, and disciplinary proceedings), federal regulation items, key risk management concepts, insurer and producer agency rules, and core contract principles. It further details health insurance definitions, policy classes and limited policies, exclusions, producer responsibilities, underwriting, replacement considerations, and required policy provisions with percentages guiding question allocation.

LanguageEnglish

CategoryExam

FormatPDF

Pages6

Reading Time15 min

AccessFree to download

Insurance Regulation

Licensing

State regulation

Federal regulation

General Insurance

Concepts

Insurers

Producers and general rules of agency

Contracts

Health Insurance Basics

Definitions of perils

Types of losses and benefits

Classes of health insurance policies

Limited policies and exclusions

Producer responsibilities in individual health insurance

Individual underwriting by the insurer

Considerations in replacing health insurance

Individual Health Insurance Policy General Provisions

Required provisions

Optional provisions

Your Exam Content Outline The following outline describes the content of one of the Connecticut insurance examinations. The outlines are the basis of the examinations. The examination will contain questions on the subjects contained in the outline. The percentages indicate the relative weights assigned to each part of the examination. For example, 10 percent means that 6 questions will be drawn from the section on a 60-question exam, 10 will be drawn on a 100-question exam and 15 will be drawn on a 150-question exam. | Connecticut Producer's Examination for Accident and Health Insurance Series 18-02 | | --- | | 100 questions-2-hour time limit Effective October 1, 2019 | 1.0 Insurance Regulation 10% 1.1 Licensing Process (38a-702d, 702e, 769) Types of licensees (38a- 702f(a), 769) Resident producers (38a-702d) Certified insurance consultants (38a-731– 733,786) Nonresident producers (38a-702g, 702n) Temporary (38a-702j) Maintenance and duration Renewal (38a-702f(b)(c), 784, 786(b)) Change in name or address (38a-702f(f),771(a)) Reporting of actions (38a-702o, 771(b)) Assumed names (38a- 702i) Continuing education requirements, exemptions and penalties (Reg 38a- 782a-2, 10, 12-17) Disciplinary actions Cease and desist order (38a-817) Hearings (38a- 16, 817, 818) Suspensions, revocations, refusal to issue or renew, fines (38a-2, 702k, 735, 774, 777,817, 830) 1.2 State regulation Commissioner's general duties and powers (38a-8, 10) Company regulation Certificate of authority (38a-41) Capital and surplus requirement (38a-72) Unfair claim settlement practices (38a-816) Producer regulation Controlled business (38a-782) Commissions (38a- 702l, 734) Acting as an agent (38a-702m) Representing an unauthorized insurer (38a-275,703, 714) Failure to remit premiums (38a-712) Unfair and prohibited practices Misrepresentation (38a- 816(1),(8)) False advertising (38a-816(1),(2)) Defamation of insurer (38a-816(3)) Boycott, coercion and intimidation (38a-816(4)) False financial statements (38a- 816(5)) Failure to maintain complaint record (38a-816(7)) Unfair discrimination (38a- 816(12), (13)) Rebating (38a- 816(9), 825) Twisting (38a-826) Examination of books and records (38a-769(f)) Connecticut Insurance Information and Privacy Protection Act (38a-975–999a) 1.3 Federal regulation Fair Credit Reporting Act (15 USC 1681– 1681d) Fraud and false statements (18 USC 1033, 1034) 2.0 General Insurance 10% 2.1 Concepts Risk management key terms Risk Exposure Hazard Peril Loss Methods of handling risk Avoidance Retention Sharing Reduction Transfer Elements of insurable risks Adverse selection Law of large numbers Reinsurance Data breach 2.2 Insurers Types of insurers Stock companies Mutual companies Fraternal benefit societies Lloyd's associations Risk retention groups Private versus government insurers Admitted versus nonadmitted insurers Domestic, foreign and alien insurers Financial status (independent rating services) Marketing (distribution) systems 2.3 Producers and general rules of agency Insurer as principal Producer/insurer relationship Authority and powers of producers Express Implied Apparent 2.4 Contracts Elements of a legal contract Offer and acceptance Consideration Competent parties Legal purpose Distinct characteristics of an insurance contract Contract of adhesion Aleatory contract Personal contract Unilateral contract Conditional contract Legal interpretations affecting contracts Ambiguities in a contract of adhesion Reasonable expectations Indemnity Utmost good faith Representations/misrepresent ations Warranties Concealment Fraud Waiver and estoppel 3.0 Health Insurance Basics 8% 3.1 Definitions of perils Accidental injury Sickness 3.2 Principal types of losses and benefits Loss of income from disability Hospi

FAQs

What is the exam structure and how are questions distributed across topics?

The outline specifies that the exam contains questions drawn from each listed subject, and each section includes a percentage indicating its relative weight. Those percentages determine how many questions come from each part for different exam lengths (60, 100, or 150 questions).

Which licensing and discipline-related areas are covered under Insurance Regulation?

Licensing topics include different types of licensees, resident producers, certified insurance consultants, nonresident producers, and renewal or change requirements. Disciplinary topics include cease and desist orders, hearings, and actions such as suspensions, revocations, refusals to issue or renew, and fines.

What health insurance topics are emphasized in the Health Insurance Basics section?

The outline covers peril definitions (accidental injury, sickness), types of losses and benefits (disability income, hospital/medical, dental, long-term care/home healthcare), policy class distinctions, limited policies and exclusions, producer responsibilities, underwriting by the insurer, and considerations when replacing health insurance.

Sep 25, 2026

Uploaded by mieayamfan