How this course works, what to expect on the state exam, and how to study effectively.
7 lessons · 41 min
1.A. Course Development3 min2 blocks
2.B. Features and Benefits5 min7 blocks
3.C. Study Tips5 min1 block
4.D. Test Taking Tips6 min1 block
5.E. About the Exam8 min6 blocks
6.F. Exam Breakdown8 min7 blocks
7.G. Recommended Study Steps6 min11 blocks
2. Chapter 1: Basic Insurance Concepts and Principles
The foundational terms, risk concepts, and legal principles behind every insurance contract.
16 lessons · 185 min
1.Introduction5 min2 blocks
2.A. Insurance (CIC 22)15 min7 blocks
3.B. Definition and Types of Risk10 min3 blocks
4.C. Perils and Hazards15 min7 blocks
5.D. Law of Large Numbers10 min4 blocks
6.E. Loss Exposure15 min7 blocks
7.F. Adverse Selection8 min2 blocks
8.G. Risk Situations that Present the Possibility of Loss12 min6 blocks
9.H. Risk Management Techniques15 min13 blocks
10.I. Ideally Insurable Risks15 min8 blocks
11.J. Insurable Events12 min5 blocks
12.K. Insurable Interest12 min5 blocks
13.L. Indemnity12 min4 blocks
14.M. Utmost Good Faith6 min1 block
15.Chapter Recap8 min7 blocks
16.Chapter QuizQuiz15 min12 blocks
3. Chapter 2: Contract Law
Contract law vs. tort law, the elements and special characteristics of insurance contracts, and the legal terms that govern them.
10 lessons · 114 min
1.Introduction5 min2 blocks
2.A. Contract Law vs. Tort Law8 min7 blocks
3.B. Four Elements of a Contract12 min12 blocks
4.C. Special Characteristics of an Insurance Contract15 min13 blocks
5.D. Legal Terms20 min25 blocks
6.E. Rescission8 min4 blocks
7.F. Six Specifications for Insurance Policies (CIC 381)8 min3 blocks
8.G. Important Terms15 min13 blocks
9.Chapter Recap8 min4 blocks
10.Chapter QuizQuiz15 min13 blocks
4. Chapter 3: Life Insurance Basics
The uses of life insurance, the process of issuing a policy, cancellation and replacement rules, and life settlements.
7 lessons · 149 min
1.Introduction5 min2 blocks
2.A. Uses of Life Insurance25 min63 blocks
3.B. Process of Issuing a Life Insurance Policy35 min181 blocks
4.C. Policy Cancellation and Replacement30 min56 blocks
5.D. Life Settlements15 min15 blocks
6.Chapter Recap9 min9 blocks
7.Chapter QuizQuiz15 min11 blocks
5. Chapter 4: Types of Life Policies
The major types of life insurance policies — term, whole life, flexible premium, variable, group, and credit life — their characteristics and appropriate uses.
10 lessons · 164 min
1.Introduction5 min2 blocks
2.A. Term Life Insurance30 min34 blocks
3.B. Whole Life Insurance25 min26 blocks
4.C. Special Coverages20 min27 blocks
5.D. Flexible Premium Policies30 min29 blocks
6.E. Variable Products15 min17 blocks
7.F. Group Life Insurance8 min7 blocks
8.G. Credit Life6 min3 blocks
9.Chapter Recap10 min9 blocks
10.Chapter QuizQuiz15 min11 blocks
6. Chapter 5: Individual Life Insurance Contract – Provisions, Riders, and Options
The standard provisions found in life insurance policies, the riders used to customize coverage, and the nonforfeiture, dividend, and settlement options available to policyowners and beneficiaries.
10 lessons · 181 min
1.Introduction6 min3 blocks
2.A. Common Life Policy Provisions35 min58 blocks
3.B. Beneficiaries20 min30 blocks
4.C. Policy Loans15 min11 blocks
5.D. Policy Riders30 min38 blocks
6.E. Nonforfeiture Options15 min14 blocks
7.F. Dividend Options15 min17 blocks
8.G. Settlement Options20 min26 blocks
9.Chapter Recap10 min11 blocks
10.Chapter QuizQuiz15 min13 blocks
7. Chapter 6: Annuities
The parties to an annuity contract, how annuities are classified — immediate vs. deferred and fixed vs. variable — and the personal, business, and senior-consumer uses of annuity products.
7 lessons · 137 min
1.Introduction6 min2 blocks
2.A. Annuity Principles and Concepts25 min19 blocks
3.B. Types of Annuities40 min65 blocks
4.C. Uses of Annuities30 min38 blocks
5.D. Senior Consumers15 min12 blocks
6.Chapter Recap6 min3 blocks
7.Chapter QuizQuiz15 min13 blocks
8. Chapter 7: Group Life Insurance, Qualified Plans, Taxation, and Other Related Concepts
Third-party ownership, group life insurance and employer plans, qualified retirement plans, the Social Security disability program, and the taxation of life insurance, modified endowment contracts, and annuities.
10 lessons · 197 min
1.Introduction6 min2 blocks
2.A. Third-Party Ownership8 min3 blocks
3.B. Group Life Insurance45 min69 blocks
4.C. Qualified Retirement Plans15 min8 blocks
5.D. Social Security Disability Program30 min17 blocks
6.E. Taxation of Life Insurance30 min44 blocks
7.F. Modified Endowment Contract15 min12 blocks
8.G. Taxation of Annuities25 min31 blocks
9.Chapter Recap8 min11 blocks
10.Chapter QuizQuiz15 min15 blocks
9. Chapter 8: Accident and Health Insurance Basics
Basic health and disability insurance principles, concepts, and marketplace; underwriting; rate-making components; and the duties of insured and insurers in the event of loss.
7 lessons · 122 min
1.Introduction6 min2 blocks
2.A. Basic Health and Disability Insurance Principles, Concepts, and Marketplace50 min92 blocks
3.B. Underwriting35 min63 blocks
4.C. Rate-Making Components15 min15 blocks
5.D. Duties of Insured and Insurers in the Event of Loss6 min3 blocks
6.Chapter Recap8 min7 blocks
7.Chapter QuizQuiz15 min17 blocks
10. Chapter 9: Medical Expense Insurance
Types of medical expense plans, managed care, self-funded and consumer-driven health plans, optional coverages, contract provisions, group health insurance, regulation of providers, and legislative issues including HIPAA, COBRA, and PPACA.
13 lessons · 354 min
1.Introduction6 min2 blocks
2.A. Types of Plans20 min15 blocks
3.B. Managed Care Plans35 min18 blocks
4.C. Self-Funded/Self-Insured Plans8 min5 blocks
5.D. Consumer Driven Health Plans30 min18 blocks
6.E. Optional Coverages20 min13 blocks
7.F. Contract Issues and Clauses35 min24 blocks
8.G. Group Health Insurance55 min58 blocks
9.H. Regulation of Providers15 min7 blocks
10.I. Legislative Issues45 min35 blocks
11.J. Patient Protection and Affordable Care Act (PPACA)55 min55 blocks
12.Chapter Recap10 min9 blocks
13.Chapter QuizQuiz20 min18 blocks
11. Chapter 10: Disability Insurance
Qualifying for disability benefits, disability income insurance features and provisions, group disability income, business disability insurance, and Social Security disability benefits.
8 lessons · 130 min
1.Introduction6 min2 blocks
2.A. Qualifying for Disability Benefits15 min16 blocks
3.B. Disability Income Insurance Features50 min84 blocks
4.C. Group Disability Income15 min9 blocks
5.D. Business Disability Insurance12 min9 blocks
6.E. Social Security Disability15 min14 blocks
7.Chapter Recap10 min8 blocks
8.Chapter QuizQuiz18 min18 blocks
12. Chapter 11: Senior Health Products
Medicare, Medicare Supplement (Medigap) policies, Medi-Cal, the Health Insurance Counseling and Advocacy Program (HICAP), and the CMS compliance rules that govern marketing Medicare products.
9 lessons · 243 min
1.Introduction8 min2 blocks
2.A. Medicare80 min96 blocks
3.B. Medicare Supplement Policies40 min43 blocks
4.C. Medi-Cal20 min17 blocks
5.D. Medicare and Medi-Cal25 min22 blocks
6.E. Health Insurance and Counseling Advocacy Program (HICAP)15 min10 blocks
7.F. CMS Compliance and Regulations25 min23 blocks
8.Chapter Recap10 min7 blocks
9.Chapter QuizQuiz20 min14 blocks
13. Chapter 12: Long-Term Care Insurance
Long-term care policy features, levels of care, benefit triggers, and the California Insurance Code requirements and consumer protections that govern LTC insurance.
13 lessons · 122 min
1.Introduction5 min2 blocks
2.A. Product Overview12 min11 blocks
3.B. Why this Coverage Might be Needed6 min3 blocks
4.C. Levels of Care8 min10 blocks
5.D. Places where Services are Generally Provided10 min19 blocks
6.E. Triggers for Benefits8 min4 blocks
7.F. Ways to Issue Contracts12 min11 blocks
8.G. Daily Benefits and Policy Maximum Limits5 min2 blocks
9.H. Guaranteed Renewability and Rate Increases6 min2 blocks
10.I. California Insurance Code Requirements12 min11 blocks
Distribution systems, producer licensing and ethics, insurer classifications, and California market regulation, including unfair trade practices, fraud, and fair claims settlement practices.
14 lessons · 140 min
1.Introduction5 min2 blocks
2.A. Distribution Systems6 min7 blocks
3.B. Producers (Part 1)18 min78 blocks
4.B. Producers (Part 2)16 min31 blocks
5.B. Producers (Part 3)18 min77 blocks
6.B. Producers (Part 4)14 min25 blocks
7.C. Insurers (Part 1)12 min34 blocks
8.C. Insurers (Part 2)12 min37 blocks
9.D. Market Regulation - General (Part 1)14 min25 blocks
10.D. Market Regulation - General (Part 2)16 min62 blocks
11.D. Market Regulation - General (Part 3)18 min59 blocks