Missouri Examination Content Outlines

Insurance Supplement Effective Date: April 26, 2023

d. Minor beneficiaries
LIFE-GENERAL KNOWLEDGE e. Designation by class
CONTENT OUTLINE 7. Premium Payment
Product Knowledge, Terms and Concepts a. Modes
b. Grace period
(50 scored plus 5 pretest questions)
c. Automatic premium loan
I. TYPES OF POLICIES ........................................................ 15 d. Level or flexible
A. Traditional whole life products 8. Reinstatement
1. Ordinary whole life 9. Policy loans, withdrawals, partial surrenders
2. Limited-pay and single-premium life 10. Non-forfeiture options
B. Interest/market-sensitive/adjustable life products 11. Dividends and dividend options (eg. participating,
1. Universal life non-participating)
2. Variable whole life 12. Incontestability
3. Variable universal life 13. Assignments
4. Interest-sensitive whole life 14. Suicide
5. Indexed life 15. Misstatement of age and gender
C. Term life 16. Settlement options
1. Types 17. Accelerated death benefits
a. Level C. Policy exclusions
b. Decreasing
III. COMPLETING THE APPLICATION, UNDERWRITING, AND
c. Return of premium DELIVERING THE POLICES…. ................................... 12
d. Annually renewable A. Completing the application
2. Special features 1. Required signatures
a. Renewable 2. Changes in the application
b. Convertible 3. Consequences of incomplete applications
D. Annuities 4. Warranties and representations
1. Single and flexible premium 5. Collecting the initial premium and issuing the
2. Immediate and deferred receipt
3. Fixed and variable 6. Replacement
4. Indexed 7. Disclosures at point of sale (e.g., HIPAA, HIV
E. Combination plans and variations consent)
1. Joint life (first to die) 8. USA PATRIOT Act/anti-money laundering
2. Survivorship life (second to die) 9. Gramm-Leach-Bliley Act (GLBA) Privacy
II. LIFE PROVISIONS, RIDERS, OPTIONS, AND EXCLUSIONS B. Underwriting
15 1. Insurable interest
A. Policy riders 2. Medical information and consumer reports
1. Waiver of premium and waiver of monthly 3. Fair Credit Reporting Act
deduction 4. Risk classification
2. Guaranteed insurability 5. Stranger/Investor-owned life insurance
3. Payor benefit (STOLI/IOLI)
4. Accidental death and/or accidental death and C. Delivering the policy
dismemberment 1. When coverage begins
5. Term riders 2. Explaining the policy and its provisions, riders,
6. Other insureds exclusions, and ratings to the client
7. Long term care D. Contract law
8. Return of premium 1. Elements of a contract
9. Disability a. Consideration
10. Cost of Living b. Offer and Acceptance
B. Policy provisions and options c. Competent parties
1. Entire contract d. Legal purpose
2. Insuring clause 2. Unique aspects of the insurance contract
3. Free look a. Conditional
4. Consideration b. Unilateral
5. Owner’s rights c. Adhesion
6. Beneficiary designations d. Aleatory
a. Primary and contingent
IV. RETIREMENT AND OTHER INSURANCE CONCEPTS 8
b. Revocable and irrevocable
A. Third-party ownership
c. Common disaster

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 B. Viatical Settlements 4. Temporary
C. Life Settlements Ref: 375.025
D. Group life insurance D. License suspension, revocation, denial,
1. Conversion privilege cancellation
2. Contributory vs. noncontributory Ref: 374.046, 374.280, 375.022; 375.141, 20
E. Retirement plans CSR 700-1.130
1. Qualified plans
2. Nonqualified plans III. MARKETING PRACTICES
F. Life insurance needs analysis/suitability A. Unfair and deceptive practices
1. Personal insurance needs Ref: 375.934, 375.936
2. Business insurance needs B. Rebating
a. Key person Ref: 375.936, 379.402, 379.404
b. Buy sell C. Misrepresentation
G. Social Security benefits Ref: 375.936
H. Tax treatment of insurance premiums, proceeds, and D. Defamation
dividends Ref: 375.936
1. Individual life E. Unfair discrimination
2. Group life Ref: 375.007, 375.936, 375.995
3. Modified Endowment Contracts (MECs) IV. CERTIFICATE OF AUTHORITY
Ref: 375.161; 375.786
MISSOURI-SPECIFIC LIFE CONTENT OUTLINE
V. FIDUCIARY RESPONSIBILITIES
State Statutes, Rules, and Regulations
Ref: 375.051, 375.052; 20 CSR 700-1.140
(40 scoreable questions plus 5 pretest questions)
VI. COMMISSIONS AND COMPENSATION
MISSOURI STATUTES, RULES, AND REGULATIONS
COMMON TO ALL LINES .................................................. 20 Ref: 375.116, 375.158.3, 20 CSR 700-1.060
Ref: All references are to RSMo unless otherwise noted VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
I. DIRECTOR OF COMMERCE AND INSURANCE Ref: 376.715–.758
A. General powers and duties
Ref: 374.020, 374.045, 374.210, 374.285, MISSOURI STATUTES, RULES, AND REGULATION
PERTINENT TO LIFE INSURANCE ONLY .......................... 20
375.786
RSMo 374.015-.285 are expansive of all powers I. POLICY REPLACEMENT
and duties of the Director Ref: 20 CSR 400-5.400
B. Examination of records A. Replacement forms
Ref: 374.110, 374.205, 374.190 B. Duties of producer
C. Cease and desist orders C. Duties of replacing insurance company
Ref: 374.046, 374.049, 375.942, 374.048
D. Interstate Insurance Product Regulatory II. POLICY PROVISIONS
Commission (aka, “The Compact”) A. Policy loan rates
Ref. 374.350-352 Ref: 20 CSR 400-1.090, 376.306
B. Assignability
II. LICENSING REQUIREMENTS Ref: 376.680
A. Persons required to be licensed C. Suicide Exclusion
1. Producer Ref: 376.620
Ref: 375.012, 375.014, 375.018, 375.022, D. War and Aviation Exclusion
375.076 Ref: 20 CSR 400-1.080, 376.675
20 CSR 700-1.010–.025
III. VARIABLE PRODUCTS
2. Nonresident producer
Ref: 376.670; 20 CSR 400-1.020, 030, 376.669,
Ref: 375.017
376.671
B. Obtaining a license
1. Qualifications IV. GROUP INSURANCE
Ref: 375.015, 375.016, 375.018, Ref: 376.697, 376.691, 376.691-.699
2. Examinations
Ref: 375.016, 375.141(11) V. CREDIT LIFE INSURANCE
C. Maintaining a license Ref: 385.010-.080, 20 CSR 600-2.110
1. Continuing education
VI. GRADED DEATH BENEFITS
Ref: 375.020; 20 CSR 700-3.200, 375.029-.030
2. Change of address Ref: 20 CSR 400-1.040, 376.675
Ref: 375.141.5 VII. UNIVERSAL LIFE
3. Renewal
Ref: 20 CSR 400-1.100
Ref: 375.018

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 12. Change of beneficiary
VIII. SUITABILITY
13. Misstatement of age or sex
Ref: 20 CSR 400-5.900 14. Change of occupation
IX. ADVERTISING 15. Illegal occupation
16. Relation of earnings to insurance
Ref: 20 CSR 400-5.100
B. Other provisions and clauses
1. Insuring clause
ACCIDENT & HEALTH – GENERAL KNOWLEDGE 2. Free look
CONTENT OUTLINE 3. Consideration clause
4. Probationary period
Product Knowledge, Terms, and Concepts
5. Elimination period
(50 scored plus 5 pretest questions) 6. Waiver of premium
7. Exclusions and limitations
I. TYPES OF POLICIES ........................................................ 16
8. Preexisting conditions
A. Disability income
9. Coinsurance
1. Individual disability income policy
10. Deductibles
2. Business overhead expense policy
11. Eligible expenses
3. Business disability buyout policy
12. Copayments
4. Group disability income policy
13. Pre-authorizations and prior approval
5. Key employee policy
requirements
B. Accidental death and dismemberment
14. Usual, reasonable, and customary (URC) charges
C. Medical expense insurance
15. Lifetime, annual, or per cause maximum benefit
1. Basic hospital, medical, and surgical policies
limits
2. Major medical policies
C. Riders
3. Health Maintenance Organizations (HMOs)
1. Impairment/exclusions
4. Preferred Provider Organizations (PPOs)
2. Guaranteed insurability
5. Point of Service (POS) plans
3. Future increase option
6. Flexible Spending Accounts (FSAs)
D. Rights of renewability
7. High Deductible Health Plans (HDHPs) and related
1. Noncancelable
Health Savings Accounts (HSAs)
2. Cancelable
8. Health Reimbursement Accounts (HRAs)
3. Guaranteed renewable
D. Medicare supplement policies
E. Group insurance III. SOCIAL INSURANCE ..................................................... 6
1. Differences between individual and group A. Medicare (Parts A, B, C, D)
contracts B. Medicaid
2. General characteristics C. Social Security benefits
3. COBRA IV. OTHER INSURANCE CONCEPTS ................................. 5
F. Individual/Group Long Term Care (LTC) A. Total, partial, recurrent and residual disability
1. Eligibility B. Owner’s rights
2. Levels of care C. Dependent children benefits
G. Other policies D. Primary and contingent beneficiaries
1. Dental E. Modes of premium payments
2. Vision F. Nonduplication and coordination of benefits (e.g.,
3. Cancer primary vs. excess)
4. Critical illness or specified disease G. Occupational vs. non-occupational
5. Worksite (employer-sponsored) H. Tax treatment of premiums and proceeds of
6. Hospital indemnity insurance contracts (e.g., disability income and
7. Short-term medical medical expenses, etc.)
8. Accident I. Managed care
II. POLICY PROVISIONS, CLAUSES, AND RIDERS............ 15 J. Workers Compensation
A. Mandatory and optional provisions 1. Impact on health insurance benefits
1. Entire contract K. Subrogation
2. Time limit on certain defenses (incontestable) L. Cost containment
3. Grace period V. FIELD UNDERWRITING PROCEDURES ........................ 8
4. Reinstatement A. Completing the application
5. Notice of claim B. Explaining sources of insurability and HIPAA privacy
6. Claim forms information (e.g., MIB Report, Fair Credit Reporting
7. Proof of loss Act, etc.)
8. Time of payment of claims C. Initial premium payment and receipt and
9. Payment of claims consequences of the receipt (e.g., medical
10. Physical examination and autopsy examination, etc.)
11. Legal actions

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 D. Submitting application (and initial premium if D. License suspension, revocation, denial,
collected) to company for underwriting cancellation
E. Policy delivery Ref: 374.046, 374.280, 375.022; 375.141, 20
F. Explaining policy and its provisions, riders, exclusions, CSR 700-1.130
and ratings to clients
III. MARKETING PRACTICES
G. Replacement
A. Unfair and deceptive practices
H. Contract law
Ref: 375.934, 375.936
1. Elements of a contract
B. Rebating
2. Insurable interest
Ref: 375.936; 379.402; 379.404
3. Warranties and representations
C. Misrepresentation
4. Unique aspects of the insurance contract
Ref: 375.936
a. Conditional
D. Defamation
b. Unilateral
Ref: 375.936
c. Adhesion
E. Unfair discrimination
d. Aleatory
Ref: 375.007, 375.936, 375.995
IV. CERTIFICATE OF AUTHORITY
MISSOURI-SPECIFIC ACCIDENT AND HEALTH
Ref: 354.055, 354.405, 354.705, 375.161; 375.786
CONTENT OUTLINE
State Statutes, Rules, and Regulations V. FIDUCIARY RESPONSIBILITIES

(40 questions plus 5 pretest questions) Ref: 375.051, 375.052; 20 CSR 700-1.140

MISSOURI STATUTES, RULES, AND REGULATIONS VI. COMMISSIONS AND COMPENSATION

COMMON TO ALL LINES .................................................. 20 Ref: 375.116, 375.158.3, 20 CSR 700-1.060
Ref: All references are to RSMo unless otherwise noted
VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
I. DIRECTOR OF COMMERCE AND INSURANCE Ref: 376.715–.758
A. General powers and duties
Ref: 374.020, 374.045, 374.210, 374.285, MISSOURI STATUTES, RULES, AND REGULATIONS
375.786 PERTINENT TO ACCIDENT AND HEALTH INS. ONLY20
RSMo 374.015-.285 are expansive of all powers and I. REQUIRED PROVISIONS
duties of the Director Ref: 376.426, 376.777, 376.783
B. Examination of records A. Standard Provisions
Ref: 374.110, 374.205 B. Coverage for newborns
C. Cease and desist orders Ref: 376.406
Ref: 374.046, 374.049, 375.942 C. Coverage for adopted children
D. Interstate Insurance Product Regulatory Ref: 376.816
Commission (aka, “The Compact”) D. Coverage for handicapped children
Ref. 374.350-352 Ref: 376.426, 376.776
II. LICENSING REQUIREMENTS E. Coverage for dependent children
A. Persons required to be licensed Ref: 376.426, 376.776.3, 354.536.2; 20 CSR 400-
1. Producer 7.030
Ref: 375.012, 375.014, 375.018, 375.022, F. Coverage for pre-existing conditions
375.076; 20 CSR 700-1.020–.025 Ref: 376.426, 376.450
2. Nonresident producer G. Coverage for mental health services
Ref: 375.017 Ref: 376.810, 376.811, 376.1224, 376.1550,
B. Obtaining a license 376.1551; 20 CSR 400-2.160, 20 CSR 400-2.165
H. Coverage for mammography
1. Qualifications
Ref: 376.782
Ref: 375.015, 375.016, 375.018,
I. Renewal and Cancellation
2. Examinations
Ref: 375.004, 376.450, 376.452, 376.454,
Ref: 375.016, 375.141(11) 376.777, 379.938
C. Maintaining a license J. Advertisements
1. Continuing education Ref: 20 CSR 400-5.700, 354.460, 375.936,
Ref: 375.020; 375.029-.030; 20 CSR 700-3.200 376.879
2. Change of address K. Substance abuse/alcoholism
Ref: 375.141.5 Ref: 376.779.1, 376.810, 376.811, 376.1550,
3. Renewal 376.1551; 20 CSR 400-2.160, 20 CSR 400-2.165
Ref: 375.018 L. Immunization
4. Temporary Ref: 376.1215
Ref: 375.025 M. Formulary Notification
Ref: 376.392
N. Clinical trials

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 Ref: 376.429 Ref: 376.1210
O. PKU testing and formula
Ref: 376.1219
P. Autism/Applied Behavioral Analysis LIFE AND ACCIDENT & HEALTH INSURANCE
Ref: 376.1224 GENERAL KNOWLEDGE
Q. Dental coverage: anesthesia and hospital CONTENT OUTLINE
charges Product Knowledge, Terms, and Concepts
Ref: 376.1225 (50 scored plus 5 pretest questions)
R. Cancer screenings
Ref: 376.1250 I. LIFE: TYPES OF POLICIES ............................................... 15
S. Chiropractic Services A. Traditional whole life products
Ref: 376.391, 376.1230 1. Ordinary whole life
T. Utilization Review 2. Limited-pay and single-premium life
Ref: 376.1350-1389 B. Interest/market-sensitive/adjustable life products
U. Grievance procedures 1. Universal life
Ref: 376.1378, 376.1382, 376.1385, 376.1387, 2. Variable whole life
376.1389; 20 CSR 100-5.020 3. Variable universal life
V. Expedited review 4. Interest-sensitive whole life
Ref: 376.1389; 20 CSR 100-5.020 5. Indexed life
W. Telehealth C. Term life
Ref: 376.1900 1. Types
X. Physical Therapy Copays a. Level
Ref 376.1235 b. Decreasing
c. Return of premium
II. REQUIRED OFFERS d. Annually renewable
A. Speech and Hearing 2. Special features
Ref: 376.781; 20 CSR 400-2.140 a. Renewable
B. Required coverage for diabetes b. Convertible
Ref: 376.385 D. Annuities
C. Chemotherapy, Oral Chemotherapy 1. Single and flexible premium
Ref: 376.1200, 376.1257 2. Immediate and deferred
III. MEDICARE SUPPLEMENT 3. Fixed and variable
4. Indexed
Ref: 376.850-890; 20 CSR 400-3.650, 20 CSR 400-
E. Combination plans and variations
3.200, 42 CFR 422.2274, Medicare Marketing 1. Joint life (first to die)
Guidelines 2. Survivorship life (second to die)
A. Minimum standards
B. Sale of insurance to the elderly II. LIFE PROVISIONS, RIDERS, OPTIONS, AND
EXCLUSIONS………………………………………………………………….15
C. Nursing home coverage
A. Policy riders
D. Prohibited provisions
1. Waiver of premium and waiver of monthly
E. Disclosure/replacement requirements
deduction
F. Free look
2. Guaranteed insurability
G. Commissions
3. Payor benefit
H. Select Products
4. Accidental death and/or accidental death and
I. Open Enrollment/Eligibility
dismemberment
IV. LONG TERM CARE
5. Term riders
Ref: 376.1100.–.1130; 20 CSR 400-4.50-4.120 6. Other insureds
V. GROUP 7. Long term care
Ref: 376.421; 20 CSR 400-2.090, 2.130 8. Return of premium
A. Continuation/Conversion/COBRA 9. Disability
Ref: 376.397, 376.401, 376.426, 376.428 10. Cost of Living
B. Replacement B. Policy provisions and options
Ref: 376.441 1. Entire contract
C. Spousal coverage 2. Insuring clause
Ref: 376.891-376.893 3. Free look
D. Association and Discretionary Group Coverage 4. Consideration
Ref: 376.421, 20 CSR 400-2.090, 20 CSR 400- 5. Owner’s rights
2.130 6. Beneficiary designations
VI. SMALL EMPLOYER GROUP a. Primary and contingent
b. Revocable and irrevocable
Ref: 379.930–.952
c. Common disaster
VII. MINIMUM MATERNITY BENEFITS d. Minor beneficiaries

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 e. Designation by class D. Group life insurance
7. Premium Payment 7. Conversion privilege
a. Modes 8. Contributory vs. noncontributory
b. Grace period E. Retirement plans
c. Automatic premium loan 7. Qualified plans
d. Level or flexible 8. Nonqualified plans
8. Reinstatement F. Life insurance needs analysis/suitability
9. Policy loans, withdrawals, partial surrenders 7. Personal insurance needs
10. Non-forfeiture options 8. Business insurance needs
11. Dividends and dividend options (eg. participating, a. Key person
non-participating) b. Buy sell
12. Incontestability G. Social Security benefits
13. Assignments H. Tax treatment of insurance premiums, proceeds, and
14. Suicide dividends
15. Misstatement of age and gender 7. Individual life
16. Settlement options 8. Group life
17. Accelerated death benefits 9. Modified Endowment Contracts (MECs)
C. Policy exclusions
V. ACCIDENT AND HEALTH: TYPES OF POLICIES........... 16
1. War
A. Disability income
2. Aviation
1. Individual disability income policy
3. Dangerous Occupation
2. Business overhead expense policy
III. LIFE: COMPLETING THE APPLICATION, UNDERWRITING, 3. Business disability buyout policy
AND DELIVERING THE POLICES…. .......................... 12 4. Group disability income policy
A. Completing the application 5. Key employee policy
1. Required signatures B. Accidental death and dismemberment
2. Changes in the application C. Medical expense insurance
3. Consequences of incomplete applications 1. Basic hospital, medical, and surgical policies
4. Warranties and representations 2. Major medical policies
5. Collecting the initial premium and issuing the 3. Health Maintenance Organizations (HMOs)
receipt 4. Preferred Provider Organizations (PPOs)
6. Replacement 5. Point of Service (POS) plans
7. Disclosures at point of sale (e.g., HIPAA, HIV 6. Flexible Spending Accounts (FSAs)
consent) 7. High Deductible Health Plans (HDHPs) and related
8. USA PATRIOT Act/anti-money laundering Health Savings Accounts (HSAs)
9. Gramm-Leach-Bliley Act (GLBA) Privacy 8. Health Reimbursement Accounts (HRAs)
B. Underwriting D. Medicare supplement policies
1. Insurable interest E. Group insurance
2. Medical information and consumer reports 1. Differences between individual and group
3. Fair Credit Reporting Act contracts
4. Risk classification 2. General characteristics
5. Stranger/Investor-owned life insurance 3. COBRA
(STOLI/IOLI) F. Individual/Group Long Term Care (LTC)
C. Delivering the policy 1. Eligibility
7. When coverage begins 2. Levels of care
8. Explaining the policy and its provisions, riders, G. Other policies
exclusions, and ratings to the client 1. Dental
D. Contract law 2. Vision
7. Elements of a contract 3. Cancer
a. Consideration 4. Critical illness or specified disease
b. Offer and Acceptance 5. Worksite (employer-sponsored)
c. Competent parties 6. Hospital indemnity
d. Legal purpose 7. Short-term medical
8. Unique aspects of the insurance contract 8. Accident
a. Conditional
VI. ACCIDENT AND HEALTH: POLICY PROVISIONS,
b. Unilateral
CLAUSES, AND RIDERS ................................................. 15
c. Adhesion
A. Mandatory and optional provisions
d. Aleatory
1. Entire contract
IV. RETIREMENT AND OTHER INSURANCE AND OTHER 2. Time limit on certain defenses (incontestable)
INSURANCE CONCEPTS ............................................... 8 3. Grace period
A. Third-party ownership 4. Reinstatement
B. Viatical Settlements 5. Notice of claim
C. Life Settlements 6. Claim forms
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 7. Proof of loss B. Explaining sources of insurability and HIPAA privacy
8. Time of payment of claims information (e.g., MIB Report, Fair Credit Reporting
9. Payment of claims Act, etc.)
10. Physical examination and autopsy C. Initial premium payment and receipt and
11. Legal actions consequences of the receipt (e.g., medical
12. Change of beneficiary examination, etc.)
13. Misstatement of age or sex D. Submitting application (and initial premium if
14. Change of occupation collected) to company for underwriting
15. Illegal occupation E. Policy delivery
16. Relation of earnings to insurance F. Explaining policy and its provisions, riders, exclusions,
B. Other provisions and clauses and ratings to clients
1. Insuring clause G. Replacement
2. Free look H. Contract law
3. Consideration clause 1. Elements of a contract
4. Probationary period 2. Insurable interest
5. Elimination period 3. Warranties and representations
6. Waiver of premium 4. Unique aspects of the insurance contract
7. Exclusions and limitations a. Conditional
8. Preexisting conditions b. Unilateral
16. Coinsurance c. Adhesion
17. Deductibles d. Aleatory
18. Eligible expenses
19. Copayments
20. Pre-authorizations and prior approval MISSOURI-SPECIFIC LIFE, ACCIDENT AND HEALTH
requirements CONTENT OUTLINE
21. Usual, reasonable, and customary (URC) charges State Statutes, Rules, and Regulations
22. Lifetime, annual, or per cause maximum benefit
(45 questions plus 5 pretest questions)
limits
Ref: All references are to RSMo unless otherwise noted
C. Riders
1. Impairment/exclusions MISSOURI STATUTES, RULES, AND REGULATIONS
2. Guaranteed insurability COMMON TO ALL LINES…................................................ 15
3. Future increase option I. DIRECTOR OF COMMERCE AND INSURANCE
D. Rights of renewability A. General powers and duties
1. Noncancelable Ref: 374.020, 374.045, 374.210, 374.285,
2. Cancelable 375.786; 374.015-.285 are expansive of all
3. Guaranteed renewable powers and duties of the Director
VII. ACCIDENT AND HEALTH: SOCIAL INSURANCE ....... 6 B. Examination of records
A. Medicare (Parts A, B, C, D) Ref: 374.110, 374.205
B. Medicaid C. Cease and desist orders
C. Social Security benefits Ref: 374.046, 374.049, 375.942
D. Interstate Insurance Product Regulatory
VIII. ACCIDENT AND HEALTH: OTHER INSURANCE
Commission (aka, “The Compact”)
CONCEPTS ..................................................................... 5
Ref. 374.350-352
A. Total, partial, recurrent and residual disability
B. Owner’s rights II. LICENSING REQUIREMENTS
C. Dependent children benefits A. Persons required to be licensed
D. Primary and contingent beneficiaries 1. Producer
E. Modes of premium payments Ref: 375.012, 375.014, 375.018, 375.022,
F. Nonduplication and coordination of benefits (e.g., 375.076;20 CSR 700-1.020–.025
primary vs. excess) 2. Nonresident producer
G. Occupational vs. non-occupational Ref: 375.017
H. Tax treatment of premiums and proceeds of B. Obtaining a license
insurance contracts (e.g., disability income and 1. Qualifications
medical expenses, etc.)
Ref: 375.015, 375.016, 375.018,
I. Managed care
2. Examinations
J. Workers Compensation
Ref: 375.016, 375.141(11)
1. Impact on health insurance benefits
C. Maintaining a license
K. Subrogation
1. Continuing education
L. Cost containment
Ref: 375.020; 375.029-.030; 20 CSR 700-3.200
IX. ACCIDENT AND HEALTH: FIELD UNDERWRITING 2. Change of address
PROCEDURES ................................................................ 8 Ref: 375.141.5
A. Completing the application
3. Renewal

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 Ref: 375.018 Ref: 20 CSR 400-1.100
4. Temporary
VIII. SUITABILITY
Ref: 375.025
D. License suspension, revocation, denial, Ref: 20 CSR 400-5.900
cancellation IX. ADVERTISING
Ref: 374.046, 374.280, 375.022; 375.141, 20
CSR 700-1.130 Ref: 20 CSR 400-5.100

III. MARKETING PRACTICES MISSOURI STATUTES, RULES, AND REGULATIONS

PERTINENT TO ACCIDENT AND HEALTH ONLY ............. 15
A. Unfair and deceptive practices
Ref: 375.934, 375.936 I. REQUIRED PROVISIONS
B. Rebating Ref: 376.426, 376.777, 376.783
Ref: 375.936; 379.402; 379.404
A. Standard Provisions
C. Misrepresentation B. Coverage for newborns
Ref: 375.936
Ref: 376.406
D. Defamation
C. Coverage for adopted children
Ref: 375.936 Ref: 376.816
E. Unfair discrimination
D. Coverage for handicapped children
Ref: 375.007, 375.936, 375.995
Ref: 376.426, 376.776
IV. CERTIFICATE OF AUTHORITY E. Coverage for dependent children
Ref: 354.055, 354.405, 354.705, 375.161; 375.786 Ref: 376.426, 376.776.3, 354.536.2; 20 CSR 400-
7.030
V. FIDUCIARY RESPONSIBILITIES F. Coverage for pre-existing conditions
Ref: 375.051, 375.052; 20 CSR 700-1.140 Ref: 376.426
G. Coverage for mental health services
VI. COMMISSIONS AND COMPENSATION Ref: 376.810, 376.811, 376.1550, 376.1224
Ref: 375.116, 375.158.3, 20 CSR 700-1.060 H. Coverage for mammography
Ref: 376.782
VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
I. Renewal and Cancellation
Ref: 376.715–.758 Ref: 375.004, 376.450, 376.452, 376.454,
376.777, 379.938
MISSOURI STATUTES, RULES, AND REGULATIONS
PERTINENT TO LIFE ONLY ................................................ 15 J. Advertisements
Ref: 20 CSR 400-5.700, 376.936
I. POLICY REPLACEMENT K. Substance abuse/alcoholism
Ref: 20 CSR 400-5.400 Ref: 376.779.1, 376.810, 376.811
A. Replacement forms L. Immunization
B. Duties of producer Ref: 376.1215
C. Duties of replacing insurance company M. Formulary Notification
Ref: 376.392
II. POLICY PROVISIONS N. Clinical trials
A. Policy loan rates Ref: 376.429
Ref: 20 CSR 400-1.090, 376.306 O. PKU testing and formula
B. Assignability Ref: 376.1219
Ref: 376.680 P. Autism/Applied Behavioral Analysis
C. Suicide Exclusion Ref: 376.1224
Ref: 376.620 Q. Dental coverage: anesthesia and hospital
D. War and Aviation Exclusion charges
Ref: 20 CSR 400-1.080, 376.675 Ref: 376.1225
III. VARIABLE PRODUCTS R. Cancer screenings
Ref: 376.670; 20 CSR 400-1.020, 030, 376.669, Ref: 376.1250
376.671 S. Chiropractic Services
Ref: 376.391, 376.1230
IV. GROUP INSURANCE T. Utilization Review
Ref: 376.697, 376.691-.699, 376.693 Ref: 376.1350-1389
U. Grievance procedures
V. CREDIT LIFE INSURANCE Ref: 376.1378, 376.1382
Ref: 385.010-.080, 20 CSR 600-2.110 V. Expedited review
Ref: 376.1389
VI. GRADED DEATH BENEFITS
W. Telehealth
Ref: 20 CSR 400-1.040, 376.675 Ref: 376.1900
VII. UNIVERSAL LIFE X. Physical Therapy Copays
Ref 376.1235

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 a. Commercial building and business personal
II. REQUIRED OFFERS
property form
A. Speech and Hearing
b. Causes of loss forms
Ref: 376.781; 20 CSR 400-2.140
c. Business income
B. Required coverage for diabetes
d. Extra expense
Ref: 376.385
e. Equipment breakdown
C. Chemotherapy, Oral Chemotherapy
3. Business Owners Policy (BOP)
Ref: 376.1200, 376.1257
4. Builders Risk
III. MEDICARE SUPPLEMENT
5. Cyber First-Party Coverage
Ref: 376.850-890; 20 CSR 400-3.650, 20 CSR 400- D. Inland marine
3.200, 42 CFR 422.2274, Medicare Marketing 1. Personal Articles floaters
Guidelines 2. Commercial Property floaters
A. Minimum standards E. National Flood Insurance Program
B. Sale of insurance to the elderly F. Others
C. Nursing home coverage 1. Earthquake
D. Prohibited provisions 2. Mobile Homes
E. Disclosure/replacement requirements 3. Watercraft
F. Free look 4. Farm Owners
G. Commissions 5. Windstorm
H. Select Products II. INSURANCE TERMS AND RELATED CONCEPTS......... 15
I. Open Enrollment/Eligibility A. Insurance
IV. LONG TERM CARE 1. Law of Large Numbers
Ref: 376.1100.–.1130; 20 CSR 400-4.100 B. Insurable interest
V. GROUP C. Risk
1. Pure vs. Speculative Risk
Ref: 376.421; 20 CSR 400-2.090, 2.130
D. Hazard
A. Continuation/Conversion/COBRA
1. Moral
Ref: 376.397, 376.401, 376.426, 376.428
2. Morale
B. Replacement
3. Physical
Ref: 376.441
E. Peril
C. Spousal coverage
F. Loss
Ref: 376.891-376.893
1. Direct
D. Association and Discretionary Group Coverage
2. Indirect
Ref: 376.421 and 20 CSR 400-2.130
G. Loss Valuation
VI. SMALL EMPLOYER GROUP 1. Actual cash value
Ref: 379.930–.952 2. Replacement cost
3. Market value
VII. MINIMUM MATERNITY BENEFITS 4. Stated/agreed value
Ref: 376.1210 5. Salvage value
H. Proximate cause
PROPERTY INSURANCE I. Deductible
GENERAL KNOWLEDGE J. Indemnity
CONTENT OUTLINE K. Limits of liability
L. Coinsurance/Insurance to value
Product Knowledge, Terms, and Concepts
M. Occurrence
(50 scored plus 5 pretest questions) N. Cancellation
O. Nonrenewal
I. TYPES OF POLICIES ........................................................ 22
P. Vacancy and unoccupancy
A. Homeowners
Q. Liability
1. HO-2
1. Absolute
2. HO-3
2. Strict
3. HO-4
3. Vicarious
4. HO-5
R. Negligence
5. HO-6
S. Binder
6. HO-8
T. Endorsements
B. Dwelling policies
U. Blanket vs. Specific
1. DP-1
2. DP-2 III. POLICY PROVISIONS AND CONTRACT LAW .............. 13
3. DP-3 A. Declarations
C. Commercial lines B. Insuring agreement
1. Commercial Package Policy (CPP) C. Conditions
2. Commercial property D. Exclusions
E. Definition of the insured

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 F. Duties of the insured
III. MARKETING PRACTICES
G. Obligations of the insurance company
A. Unfair and deceptive practices
H. Mortgagee rights
Ref: 375.936
I. Proof of loss
B. Rebating
J. Notice of claim
Ref: 375.936; 379.402; 379.404
K. Appraisal
C. Misrepresentation
L. Other Insurance Provision
Ref: 375.936
M. Subrogation
D. Defamation
N. Elements of a contract
Ref: 375.936
O. Warranties, representations, and concealment
E. Unfair discrimination
P. Sources of underwriting information
Ref: 375.007, 375.936, 375.995
Q. Fair Credit Reporting Act
R. Privacy Protection (Gramm Leach Bliley) IV. CERTIFICATE OF AUTHORITY
S. Policy Application Ref: 375.161, 375.786
T. Terrorism Risk Insurance Act (TRIA)
U. Territory V. FIDUCIARY RESPONSIBILITIES
Ref: 375.051, 375.052; 20 CSR 700-1.140
MISSOURI-SPECIFIC PROPERTY VI. COMMISSIONS AND COMPENSATION
CONTENT OUTLINE Ref: 375.116, 375.158.3, 384.045; 20 CSR 700-1.060
State Statutes, Rules, and Regulations
VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
(40 scoreable questions plus 5 pretest questions)
Ref: 375.771–.779
MISSOURI STATUTES, RULES, AND REGULATIONS
COMMON TO ALL LINES .................................................. 25 MISSOURI STATUTES, RULES, AND REGULATIONS
PERTINENT PROPERTY INSURANCE ONLY ..................... 15
Ref: All references are to RSMo unless otherwise noted
I. MISSOURI FAIR PLAN
I. DIRECTOR OF COMMERCE AND INSURANCE
A. General powers and duties Ref: 379.810–.880
Ref: 374.020, 374.045, 374.210, 374.285, A. Purpose
375.786 B. Definitions
B. Examination of records C. Eligibility
Ref: 374.110, 374.205 D. Binding authority
C. Cease and desist orders E. Application procedures
Ref: 374.046, 374.049, 375.942 F. Effective date of coverage
G. Renewal/nonrenewal/cancellation
II. LICENSING REQUIREMENTS
A. Persons required to be licensed II. INLAND MARINE
1. Producer Ref: 20 CSR 500-1.200
Ref: 375.012, 375.018, 375.022, 375.014,
375.071, 375.076; 20 CSR 700-1.020–.025 III. HOMEOWNERS POLICIES
2. Nonresident producer Ref: 375.001–.008, 375.011
Ref: 375.017 IV. BINDERS
3. Surplus lines producer
Ref: 20 CSR 500-1.300
Ref: 384.043
B. Obtaining a license V. CANCELLATION/NONRENEWAL
1. Qualifications Ref: 375.001–.011, 379.160; 20 CSR 500-1.100
Ref: 375.015, 375.016, 375.018
2. Examinations
Ref: 375.016 -375.141(11) CASUALTY INSURANCE
C. Maintaining a license GENERAL KNOWLEDGE
1. Continuing education CONTENT OUTLINE
Ref: 375.020; 20 CSR 700-3.200 Product Knowledge, Terms, and Concepts
2. Change of address
(50 scored plus 5 pretest questions)
Ref: 375.141.5
3. Renewal I. TYPES OF POLICIES, BONDS, AND
Ref: 375.018 RELATED TERMS............................................................ 23
4. Temporary A. Commercial general liability
1. Exposures
Ref: 375.025
a. Premises and Operations
D. License suspension, revocation, denial,
b. Products and Completed Operations
cancellation
2. Coverage
Ref: 374.046, 374.280, 375.022, 375.141; 20
CSR 700-1.130

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 a. Coverage A: Bodily Injury and Property Damage 4. Employment Practices Liability (EPLI)
Liability (Occurrence, Claims made including 5. Cyber liability and data breach
Retroactive Date) 6. Liquor liability
b. Coverage B: Personal Injury and Advertising G. Umbrella/Excess Liability
Injury H. Business Owners Policy (BOP)
c. Coverage C: Medical Payments
II. INSURANCE TERMS AND RELATED CONCEPTS......... 15
d. Supplemental Payments
A. Risk
e. Who is an insured
B. Hazards
f. First named insured
1. Moral
g. Limits (Per occurrence, Annual Aggregate)
2. Morale
h. Damage to Property of Others
3. Physical
B. Automobile: personal auto and business auto
C. Indemnity
1. Liability
D. Insurable interest
a. Bodily Injury
E. Loss valuation
b. Property Damage
1. Actual cash value
c. Split Limits
2. Replacement cost
d. Combined Single Limit
3. Market value
2. Medical Payments
4. Stated/agreed value
3. Physical Damage (collision; other than collision;
5. Salvage value
specified perils)
F. Negligence
4. Uninsured motorists
G. Liability
5. Underinsured motorists
H. Occurrence
6. Who is an insured
I. Binders
7. Types of Auto
J. Warranties
a. Owned
K. Representations
b. Non-owned
L. Concealment
c. Hired
M. Deposit Premium/Audit
d. Temporary Substitute
N. Certificate of Insurance
e. Newly Acquired Autos
O. Law of Large Numbers
f. Transportation Expense and Rental
P. Pure vs. Speculative Risk
Reimbursement Expense
Q. Endorsements
8. Auto Dealers, Coverage Form, including
R. Damages
Garagekeepers Insurance
1. Compensatory
9. Exclusions
a. General
10. Individual Insured and Drive Other Car (DOC)
b. Special
11. Mobile equipment
2. Punitive
C. Workers Compensation Insurance, Employers
S. Compliance with provisions of Fair Credit Reporting
Liability Insurance, and Related Issues
Act
(This section does not deal with specifics of state law,
which are addressed elsewhere in this outline.) III. POLICY PROVISIONS .................................................... 12
1. Standard policy concepts A. Declarations
a. Who is an employee/employer B. Insuring agreement
b. Compensation C. Conditions
2. Work-related vs. non-work-related D. Exclusions and Limitations
3. Other states’ insurance E. Definition of the insured
4. Employers Liability F. Duties of the insured after a loss
5. Exclusive remedy G. Cancellation and nonrenewal provisions
6. Premium Determination H. Supplementary payments
D. Crime I. Proof of loss
1. Employee Dishonesty J. Notice of claim
2. Theft K. Arbitration
3. Robbery L. Other insurance
4. Burglary M. Subrogation
5. Forgery and Alteration N. Loss settlement provisions including consent to
6. Mysterious disappearance settle a loss
E. Bonds O. Terrorism Risk Insurance Act (TRIA)
1. Surety
2. Fidelity
F. Professional liability
1. Errors and Omissions
2. Medical Malpractice
3. Directors and Officers (D&O)

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 MISSOURI-SPECIFIC CASUALTY Ref: 375.051, 375.052; 20 CSR 700-1.140
CONTENT OUTLINE VI. COMMISSIONS AND COMPENSATION
State Statutes, Rules, and Regulations Ref: 375.116, 375.158.3, 384.045; 20 CSR 700-1.060
(40 scoreable questions plus 5 pretest questions)
VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
MISSOURI STATUTES, RULES, AND REGULATIONS Ref: 375.771–.779
COMMON TO ALL LINES .................................................. 25
MISSOURI STATUTES, RULES, AND REGULATIONS
Ref: All references are to RSMo unless otherwise noted
PERTINENT TO CASUALTY INSURANCE ONLY ............... 15
I. DIRECTOR OF COMMERCE AND INSURANCE Ref: All references are to RSMo unless otherwise noted.
A. General powers and duties
I. MOTOR VEHICLE INSURANCE
Ref: 374.020, 374.045, 374.210, 374.285,
375.786 Ref: 20 CSR 500-2.100
B. Examination of records A. Missouri Automobile Insurance Plan (AIP)
Ref: 374.110, 374.205 Ref: 303.200
C. Cease and desist orders B. Financial responsibility
Ref: 374.046, 374.049, 375.942 Ref: 303.010–.025, 303.044, 303.160; Forms
SR22, SR26
II. LICENSING REQUIREMENTS 1. Transportation network companies
A. Persons required to be licensed Ref: 379.1702
1. Producer C. Uninsured motorist/underinsured
Ref: 375.012, 375.041, 375.018, 375.022, Ref: 303.030, 379.203
375.071, 375.076; 20 CSR 700-1.020–.025 D. Cancellation/nonrenewal
2. Nonresident producer Ref: 379.110–.114; 20 CSR 500-2.300
Ref: 375.017
II. COMMERCIAL POLICIES
3. Surplus lines producer
Ref: 384.043 Ref: 379.882–.886
B. Obtaining a license III. CLAIM SETTLEMENT PRACTICES
1. Qualifications Ref: 375.1000–.1007; 20 CSR 100-1.010–.050
Ref: 375.016, 375.015, 375.018 A. Definitions
2. Examinations B. Misrepresentation of provisions
Ref: 375.016, 375.141(11) C. General standards
C. Maintaining a license
IV. WORKERS COMPENSATION
1. Continuing education
Ref: 287.020, 287.030, 287.035, 287.037, 287.040,
Ref: 375.020; 20 CSR 700-3.200
2. Change of address 287.061, 287.090, 287.123, 287.127, 287.160,
Ref: 375.141.5 287.200, 287.240, 287.335; 20 CSR 500-6.500; 20
3. Renewal CSR 500-6.600
Ref: 375.018 V. MEDICAL MALPRACTICE INSURANCE
4. Temporary Ref: 383.010–.040, 383.150, 383.155, 383.165,
Ref: 375.025 383.170; 20 CSR 500-5.100
D. License suspension, revocation, denial,
cancellation
Ref: 374.046, 374.280, 375.022, 375.141; 20 PROPERTY AND CASUALTY INSURANCE
CSR 700-1.130 GENERAL KNOWLEDGE
CONTENT OUTLINE
III. MARKETING PRACTICES Product Knowledge, Terms, and Concepts
A. Unfair and deceptive practices
Ref: 375.936
B. Rebating (50 scored plus 5 pretest questions)
Ref: 375.936; 379.402; 379.404
I. PROPERTY: TYPES OF POLICIES .................................... 22
C. Misrepresentation
A. Homeowners
Ref: 375.936
1. HO-2
D. Defamation
2. HO-3
Ref: 375.936
3. HO-4
E. Unfair discrimination
4. HO-5
Ref: 375.007, 375.936, 375.995
5. HO-6
IV. CERTIFICATE OF AUTHORITY 6. HO-8
Ref: 375.161, 375.786 B. Dwelling policies
1. DP-1
V. FIDUCIARY RESPONSIBILITIES 2. DP-2

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 3. DP-3
III. PROPERTY: POLICY PROVISIONS AND CONTRACT LAW
C. Commercial lines 13
1. Commercial Package Policy (CPP) A. Declarations
2. Commercial property B. Insuring agreement
a. Commercial building and business personal C. Conditions
property form D. Exclusions
b. Causes of loss forms E. Definition of the insured
c. Business income F. Duties of the insured
d. Extra expense G. Obligations of the insurance company
e. Equipment breakdown H. Mortgagee rights
3. Business Owners Policy (BOP) I. Proof of loss
4. Builders Risk J. Notice of claim
5. Cyber First-Party Coverage K. Appraisal
D. Inland marine L. Other Insurance Provision
1. Personal Articles floaters M. Subrogation
2. Commercial Property floaters N. Elements of a contract
E. National Flood Insurance Program O. Warranties, representations, and concealment
F. Others P. Sources of underwriting information
1. Earthquake Q. Fair Credit Reporting Act
2. Mobile Homes R. Privacy Protection (Gramm Leach Bliley)
3. Watercraft S. Policy Application
4. Farm Owners T. Terrorism Risk Insurance Act (TRIA)
5. Windstorm U. Territory
II. PROPERTY: INSURANCE TERMS AND RELATED IV. CASUALTY: TYPES OF POLICIES, BONDS, AND
CONCEPTS ..................................................................... 15 RELATED TERMS............................................................ 23
A. Insurance A. Commercial general liability
1. Law of Large Numbers 1. Exposures
B. Insurable interest a. Premises and Operations
C. Risk b. Products and Completed Operations
1. Pure vs. Speculative Risk 2. Coverage
D. Hazard a. Coverage A: Bodily Injury and Property Damage
1. Moral Liability (Occurrence, Claims made including
2. Morale Retroactive Date)
3. Physical b. Coverage B: Personal Injury and Advertising
E. Peril Injury
F. Loss c. Coverage C: Medical Payments
1. Direct d. Supplemental Payments
2. Indirect e. Who is an insured
G. Loss Valuation f. First named insured
1. Actual cash value g. Limits (Per occurrence, Annual Aggregate)
2. Replacement cost h. Damage to Property of Others
3. Market value B. Automobile: personal auto and business auto
4. Stated/agreed value 1. Liability
5. Salvage value a. Bodily Injury
H. Proximate cause b. Property Damage
I. Deductible c. Split Limits
J. Indemnity d. Combined Single Limit
K. Limits of liability 2. Medical Payments
L. Coinsurance/Insurance to value 3. Physical Damage (collision; other than collision;
M. Occurrence specified perils)
N. Cancellation 4. Uninsured motorists
O. Nonrenewal 5. Underinsured motorists
P. Vacancy and unoccupancy 6. Who is an insured
Q. Liability 7. Types of Auto
1. Absolute a. Owned
2. Strict b. Non-owned
3. Vicarious c. Hired
R. Negligence d. Temporary Substitute
S. Binder e. Newly Acquired Autos
T. Endorsements f. Transportation Expense and Rental
U. Blanket vs. Specific Reimbursement Expense

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 8. Auto Dealers Coverage Form, including Q. Endorsements
Garagekeepers Insurance R. Damages
9. Exclusions 1. Compensatory
10. Individual Insured and Drive Other Car (DOC) a. General
11. Mobile equipment b. Special
C. Workers Compensation Insurance, Employers 2. Punitive
Liability Insurance, and Related Issues S. Compliance with provisions of Fair Credit Reporting
(This section does not deal with specifics of state law, Act
which are addressed elsewhere in this outline.)
VI. CASUALTY: POLICY PROVISIONS ................................ 12
1. Standard policy concepts
A. Declarations
a. Who is an employee/employer
B. Insuring agreement
b. Compensation
C. Conditions
2. Work-related vs. non-work-related
D. Exclusions and Limitations
3. Other states’ insurance
E. Definition of the insured
4. Employers Liability
F. Duties of the insured after a loss
5. Exclusive remedy
G. Cancellation and nonrenewal provisions
6. Premium Determination
H. Supplementary payments
D. Crime
I. Proof of loss
1. Employee Dishonesty
J. Notice of claim
2. Theft
K. Arbitration
3. Robbery
L. Other insurance
4. Burglary
M. Subrogation
5. Forgery and Alteration
N. Loss settlement provisions including consent to
6. Mysterious disappearance
settle a loss
E. Bonds
O. Terrorism Risk Insurance Act (TRIA)
1. Surety
2. Fidelity
F. Professional liability MISSOURI-SPECIFIC PROPERTY & CASUALTY
1. Errors and Omissions CONTENT OUTLINE
2. Medical Malpractice State Statutes, Rules, and Regulations
3. Directors and Officers (D&O)
4. Employment Practices Liability (EPLI) (40 scoreable questions plus 5 pretest questions)
5. Cyber liability and data breach
MISSOURI STATUTES, RULES, AND REGULATIONS
6. Liquor liability
COMMON TO ALL LINES .................................................. 20
G. Umbrella/Excess Liability
H. Business Owners Policy (BOP) Ref: All references are to RSMo unless otherwise noted

V. CASUALTY: INSURANCE TERMS AND RELATED I. DIRECTOR OF COMMERCE AND INSURANCE

CONCEPTS ..................................................................... 15 A. General powers and duties
A. Risk Ref: 374.020, 374.045, 374.210, 374.285,
B. Hazards 375.786
1. Moral B. Examination of records
2. Morale Ref: 374.110, 374.205
3. Physical C. Cease and desist orders
C. Indemnity Ref: 374.046, 374.049, 375.942
D. Insurable interest II. LICENSING REQUIREMENTS
E. Loss valuation A. Persons required to be licensed
1. Actual cash value 1. Producer
2. Replacement cost
Ref: 375.012, 375.014, 375.018, 375.022,
3. Market value
375.071, 375.076; 20 CSR 700-1.020–.025
4. Stated/agreed value
5. Salvage value 2. Nonresident producer
F. Negligence Ref: 375.017
G. Liability 3. Surplus lines producer
H. Occurrence Ref: 384.043
I. Binders B. Obtaining a license
J. Warranties 1. Qualifications
K. Representations Ref: 375.016, 375.015, 375.018
L. Concealment 2. Examinations
M. Deposit Premium/Audit Ref: 375.016, 375.141.(11)
N. Certificate of Insurance C. Maintaining a license
O. Law of Large Numbers 1. Continuing education
P. Pure vs. Speculative Risk Ref: 375.020; 20 CSR 700-3.200

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
S14
 2. Change of address Ref: 20 CSR 500-2.100
Ref: 375.141.5 A. Missouri Automobile Insurance Plan (AIP)
3. Renewal Ref: 303.200
Ref: 375.018 B. Financial responsibility
4. Temporary Ref: 303.010–.025, 303.044, 303.160; Forms
Ref: 375.025 SR22, SR26
D. License suspension, revocation, denial, 1. Transportation network companies
cancellation Ref: 379.1702
Ref: 374.046, 374.280, 375.022, 375.141; 20 C. Uninsured motorist/underinsured
CSR 700-1.130 Ref: 303.030, 379.203
D. Cancellation/nonrenewal
III. MARKETING PRACTICES
Ref: 379.110–.114; 20 CSR 500-2.300
A. Unfair and deceptive practices
Ref: 375.936 II. COMMERCIAL POLICIES
B. Rebating Ref: 379.882–.886
Ref: 375.936; 379.402; 379.404
C. Misrepresentation III. CLAIM SETTLEMENT PRACTICES
Ref: 375.936 Ref: 375.1000–.1007; 20 CSR 100-1.010–.050
D. Defamation A. Definitions
Ref: 375.936 B. Misrepresentation of provisions
E. Unfair discrimination C. General standards
Ref: 375.007, 375.936, 375.995
IV. WORKERS COMPENSATION
IV. CERTIFICATE OF AUTHORITY
Ref: 287.020, 287.030, 287.035, 287.037, 287.040,
Ref: 375.161, 375.786 287.061, 287.090, 287.123, 287.127, 287.160,
V. FIDUCIARY RESPONSIBILITIES 287.200, 287.240, 287.335; 20 CSR 500-6.500, 20
Ref: 375.051, 375.052; 20 CSR 700-1.140 CSR 500-6.600

VI. COMMISSIONS AND COMPENSATION V. MEDICAL MALPRACTICE INSURANCE

Ref: 375.116, 375.158.3, 384.045; 20 CSR 700-1.060 Ref: 383.010–.040, 383.150, 383.155, 383.165,
383.170;20 CSR 500-5.100
VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
Ref: 375.771–.779
PERSONAL LINES INSURANCE
MISSOURI STATUTES, RULES, AND REGULATIONS CONTENT OUTLINE
PERTINENT TO PROPERTY ................................................ 10 PRODUCT KNOWLEDGE, TERMS, AND CONCEPTS
I. MISSOURI FAIR PLAN (75 scored plus 5 pretest questions)
I. TYPES OF PROPERTY POLICIES ..................................... 10
Ref: 379.810–.880
A. Homeowners
A. Purpose
1. HO-2
B. Definitions
2. HO-3
C. Eligibility
3. HO-4
D. Binding authority
4. HO-5
E. Application procedures
5. HO-6
F. Effective date of coverage
6. HO-8
G. Renewal/nonrenewal/cancellation
B. Dwelling policies
II. INLAND MARINE 1. DP-1
Ref: 20 CSR 500-1.200 2. DP-2
3. DP-3
III. HOMEOWNERS POLICIES C. Inland marine
Ref: 375.001–.008, 375.011 1. Personal Articles floaters
D. National Flood Insurance Program
IV. BINDERS E. Others
Ref: 20 CSR 500-1.300 1. Earthquake
2. Mobile Homes
V. CANCELLATION/NONRENEWAL
3. Watercraft
Ref: 375.001–.011, 379.160; 20 CSR 500-1.100 4. Windstorm
II. TYPES OF CASUALTY POLICIES .................................... 13
MISSOURI STATUTES, RULES, AND REGULATIONS A. Automobile: personal auto
PERTINENT TO CASUALTY ................................................ 10 1. Liability
Ref: All references are to RSMo unless otherwise noted. a. Bodily Injury
I. MOTOR VEHICLE INSURANCE b. Property Damage

Missouri Insurance Supplement - Examination Content Outlines Effective: April 26, 2023
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 c. Split Limits AA. Certificate of Insurance
d. Combined Single Limit BB. Damages
2. Medical Payments 1. Compensatory
3. Physical Damage (collision; other than collision; a. General
specified perils) b. Special
4. Uninsured motorists 2. Punitive
5. Underinsured motorists CC. Compliance with Provisions of Fair Credit Reporting
6. Who is an insured Act
7. Types of Auto IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND
a. Owned CONTRACT LAW ............................................................ 24
b. Non-owned A. Declarations
c. Hired B. Insuring agreement
d. Temporary Substitute C. Conditions
e. Newly Acquired Autos D. Exclusions
f. Transportation Expense and Rental E. Definition of the insured
Reimbursement Expense F. Duties of the insured after a loss
8. Exclusions G. Obligations of the insurance company
B. Umbrella/Excess liability H. Mortgagee rights
III. PROPERTY AND CASUALTY INSURANCE TERMS AND I. Proof of loss
RELATED CONCEPTS .................................................... 28 J. Notice of claim
A. Insurance K. Appraisal
1. Law of Large Numbers L. Other Insurance Provision
B. Insurable interest M. Subrogation
C. Risk N. Elements of a contract
1. Pure vs. Speculative Risk O. Sources of underwriting information
D. Hazard P. Fair Credit Reporting Act
1. Moral Q. Privacy Protection (Gramm Leach Bliley)
2. Morale R. Policy Application
3. Physical S. Terrorism Risk Insurance Act (TRIA)
E. Peril T. Cancellation and nonrenewal provisions
F. Loss U. Supplementary payments
1. Direct V. Arbitration
2. Indirect W. Loss settlement provisions including consent to
G. Loss Valuation settle a loss
1. Actual cash value X. Territory
2. Replacement cost
3. Market value
MISSOURI-SPECIFIC PERSONAL LINES
4. Stated value
CONTENT OUTLINE
5. Salvage value
H. Proximate cause State Statutes, Rules, and Regulations
I. Deductible (40 scoreable questions plus 5 pretest questions)
J. Indemnity MISSOURI STATUTES, RULES, AND REGULATIONS
K. Limits of liability COMMON TO ALL LINES…… ............................................. 25
L. Coinsurance/Insurance to value Ref: All references are to RSMo unless otherwise noted
M. Occurrence
N. Cancellation I. DIRECTOR OF COMMERCE AND INSURANCE
O. Nonrenewal A. General powers and duties
P. Vacancy and unoccupancy Ref: 374.020, 374.045, 374.210, 374.285,
Q. Liability 375.786
1. Absolute B. Examination of records
2. Strict Ref: 374.110, 374.205
3. Vicarious C. Cease and desist orders
R. Negligence Ref: 375.942, 374.046, 374.049
S. Binder II. LICENSING REQUIREMENTS
T. Endorsements A. Persons required to be licensed
U. Blanket vs. Specific 1. Producer
V. Burglary, Robbery, Theft, and Mysterious Ref: 375.012, 375.014, 375.018, 375.022,
Disappearance 375.076; 20 CSR 700-1.020-.025
W. Warranties
2. Nonresident producer
X. Representations
Ref: 375.017
Y. Concealment
3. Surplus lines producer
Z. Deposit Premium/Audit
Ref: 384.043

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 B. Obtaining a license Ref: 20 CSR 500-1.300
1. Qualifications
Ref: 375.015, 375.016, 375.018 V. CANCELLATION/NONRENEWAL
2. Examinations Ref: 375.001–.011, 379.160; 20 CSR 500-1.100
Ref: 375.016 – 375.141.(11)
VI. MOTOR VEHICLE INSURANCE
C. Maintaining a license
1. Continuing education Ref: 20 CSR 500-2.100
Ref: 375.020; 20 CSR 700-3.200 A. Missouri Automobile Insurance Plan (AIP)
2. Change of address Ref: 303.200
Ref: 375.141.5 B. Financial responsibility
3. Renewal Ref: 303.010–.025, 303.041, 303.044, 303.160;
Forms SR22, SR26
Ref: 375.018
C. Uninsured motorist/underinsured
4. Temporary
Ref: 303.030; 379.203
Ref: 375.025 D. Cancellation/nonrenewal
D. License suspension, revocation, denial, Ref: 20 CSR 500-2.300; 379.110-.114
cancellation
VII. CLAIM SETTLEMENT PRACTICES
Ref: 374.046, 374.280, 375.022, 375.141; 20
CSR 700-1.130 Ref: 375.1000–.1007; 20 CSR 100-1.010-.050
A. Definitions
III. MARKETING PRACTICES
B. Misrepresentation of provisions
A. Unfair and deceptive practices
C. General standards
Ref: 375.936
B. Rebating
Ref: 375.936; 379.402; 379.404 MISSOURI SURPLUS LINES
C. Misrepresentation CONTENT OUTLINE
Ref: 375.936 State Statutes, Rules, and Regulations
D. Defamation
(50 scoreable questions)
Ref: 375.936
E. Unfair discrimination I. GENERAL INSURANCE TERMS AND CONCEPTS
Ref: 375.007, 375.936, 375.995 A. Insurance
IV. CERTIFICATE OF AUTHORITY B. Insurable interest
C. Risk
Ref: 375.161, 375.786 D. Hazard
V. FIDUCIARY RESPONSIBILITIES E. Peril
F. Loss
Ref: 375.051, 375.052; 20 CSR 700-1.140
1. Direct
VI. COMMISSIONS AND COMPENSATION 2. Indirect
Ref: 375.116, 375.158(3), 384.045; 20 CSR 700- G. Proximate Cause
H. Deductible
1.060
I. Indemnity
VII. MISSOURI INSURANCE GUARANTY ASSOCIATION J. Actual cash value
Ref: 375.771–.779 K. Replacement Cost
L. Limits of Liability
MISSOURI STATUTES, RULES, AND REGULATIONS M. Coinsurance
PERTINENT TO PERSONAL LINES .................................... 15 N. Pair and set clause
I. MISSOURI FAIR PLAN O. Extensions of Coverage
Ref: 379.810–.880 P. Additional coverages
A. Purpose Q. Accident
B. Definitions R. Occurrence
C. Eligibility S. Cancellation
D. Binding authority T. Nonrenewal
E. Application procedures U. Vacancy and nonoccupancy
F. Effective date of coverage V. Right of salvage
G. Renewal/nonrenewal/cancellation W. Abandonment
X. Liability
II. INLAND MARINE Y. Negligence
Ref: 20 CSR 500-1.200 Z. Comparative Negligence
AA. Reinsurance
III. HOMEOWNERS POLICIES
BB. Requirements of a Contract
Ref: 375.001–.011 CC. Damages
IV. BINDERS DD. Certificate of Insurance
EE. White List

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II. SURPLUS LINES MARKETS MISSOURI CROP INSURANCE
A. United States nonadmitted market CONTENT OUTLINE
B. London market State Statutes, Rules, and Regulations
1. Lloyd’s brokers
2. United States trust fund (50 scoreable questions)
3. Underwriters Ref: All references are to RSMo unless otherwise noted
C. Other foreign markets I. GENERAL INSURANCE TERMS AND CONCEPTS
D. Nonstandard (substandard lines or capacity A. Insurable interest
problems) B. Risk
1. Property C. Hazard
2. General liability D. PerilE. .................................................................... Loss
3. Professional liability 1. Direct
E. Insurance exchanges 2. Indirect
F. Proximate Cause
III. SURPLUS LINES LAWS AND REGULATIONS G. Indemnity
Ref: Chapter 384 and 20 CSR 200 Chapter 6 H. Actual cash value
A. Definitions I. Replacement Cost
Ref: 384.015 J. Limits of Liability
B. Licensee affidavit K. Coinsurance
Ref: 384.031 L. Accident
C. Taxation of surplus lines insurance M. Occurrence
Ref: 384.051, 384.059, 384.061, 384.062; N. Cancellation
20 CSR 200-6.300, 20 CSR 200-6.400 O. Nonrenewal
D. Surplus Lines Forms P. Liability
Ref: 20 CSR 200-6.100 Q. Pro-rata liability
E. Enforceability of contract R. Negligence
Ref: 384.038 S. Binder
IV. SURPLUS LINES LICENSEE II. DIRECTOR OF COMMERCE AND INSURANCE
Ref: All references are to Chapter 384 and 20 CSR 200 A. General powers and duties
Chapter 6 unless otherwise indicated. Ref: 374.020, 374.045, 374.210, 374.285, 375.786
A. Acting for nonadmitted insurers B. Examination of records
Ref: 384.023 Ref: 374.110, 374.205
B. Requirements for authorized surplus lines C. Cease and desist orders
insurance Ref: 375.942, 374.046, 374.048, 374.049
1. Evidence of insurance III. LICENSING REQUIREMENTS
Ref: 384.036 A. Persons required to be licensed
2. Notice to insured 1. Producer
3. Binding authority regulations Ref: 375.012, 375.014 - 375.018, 375.022,
Ref: 384.041 375.076; 20 CSR 700-1.020
4. Records of licensee 2. Nonresident producer
Ref: 384.048 Ref: 375.017
5. Reporting Requirements B. Obtaining a license
Ref: 384.057 1. Qualifications
6. Eligible surplus lines insurers Ref: 375.015, 375.016; 375.018
Ref: 384.015, 384.021 2. Examinations
7. Placement of surplus lines insurance Ref: 375.018, 375.141(11)
Ref: 384.017; 20 CSR 200-6.500 C. Maintaining a license
C. Surplus lines licensing 1. Continuing education
Ref: 384.043 Ref: 375.020; 20 CSR 700-3.200
1. Resident producers 2. Change of address
2. Nonresident producers Ref: 375.141.5
3. Renewals 3. Renewal
D. Penalties, revocation, and suspension Ref: 375.018
Ref: 374.049, 374.046, 375.141, 384.025, 384.041, 4. Temporary
384.065, 384.071 Ref: 375.025
D. License suspension, revocation, denial
Ref: 374.046, 374.280, 375.141; 20 CSR 700-1.130
E. Commissions and compensation
Ref: 375.076, 375.116, 375.158(3), 384.045;
20 CSR 700-1.060

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 3. Property bail bondsman
IV. MARKETING PRACTICES
4. Surety bail agent
A. Unfair and deceptive practices
5. Nonresident agent
Ref: 375.936
B. Application procedures
B. Rebating
C. License eligibility/fees
Ref: 375.936; 379.402; 379.404
D. Licensure examination
C. Misrepresentation
E. License renewal
Ref: 375.936
III. UNFAIR TRADE PRACTICES
D. Defamation
Ref: 375.936 Ref: 374.717, 374.755
E. Unfair discrimination A. Misrepresentation
Ref: 375.007, 375.936, 375.995 B. Rebating and prohibited inducements
C. Penalties
V. CROP INSURANCE
D. Acting as an attorney prohibited
A. Policy rates
E. Ethics
B. Coverages available
C. Provisions IV. BAIL BOND PROCEDURES
D. Terms of coverage Ref: 374.702, 374.755, 374.757, 374.763, 374.770,
E. Liability 374.775, 544.455–.457, 544.490-.640; Supreme Court
F. National Crop Insurance Services
rule 33.13, 33.14
G. Guaranty Fund
A. Discharging bail
VI. CLAIM SETTLEMENT PRACTICES B. Recommitment of defendant
A. Definitions C. Bond forfeitures
B. Misrepresentation of provisions D. Bond posting/transfers
C. General standards E. Arrests/Surrenders
1. Notice of loss F. Bond exoneration
2. Insured’s duties G. Failure to appear
3. Agent’s duties
V. FIDUCIARY RESPONSIBILITIES
4. Percentage Plan
5. Arbitration and appraisal Ref: 374.710, 374.719, 374.755, 374.763, 374.775
6. Loss payment A. Commissions, fees, premiums
D. Site Assessment B. Recordkeeping
1. Site testing C. Forfeitures
2. Standard measures D. Collateral
3. Location 1. Receipts
E. Cancellation/nonrenewal 2. Maintenance
3. Return
Ref: 375.001–.011, 379.160; 20 CSR 500-1.100
VI. DEFINITIONS
VII. MULTIPLE PERIL INSURANCE
Ref: 374.700; Black’s Law Dictionary, Dictionary of
Insurance Terms
MISSOURI BAIL BOND AGENT
A. Bail
CONTENT OUTLINE B. Bail bonds
State Statutes, Rules, and Regulations 1. Qualification bond
(50 scoreable questions) 2. Surety bond
Ref: All references are to RSMo unless otherwise noted 3. Appearance bond
4. Cash bond
I. POWERS AND DUTIES OF THE INSURANCE DIRECTOR
C. Principal
Ref: 374.040, 374.705, 374.750, 374.755, 374.760, D. Collateral
374.716, 374.755, 374.049 E. Forfeitures
A. General powers and duties F. Power of attorney
B. Reports to the Department of Insurance G. Recognizance
C. License denial, suspension, revocation H. Extradition
D. Examinations I. Exoneration
E. Cease and Desist Orders/Hearings J. Surety
K. Premium
II. LICENSING REQUIREMENTS L. Judgment
Ref: 374.700, 374.705, 374.710, 374.715, 374.720, M. Surety Recovery Agent
374.730, 374.740; 20 CSR 700-6.100–.170; Supreme VII. RULES OF CRIMINAL PROCEDURE
Court rule 33.17 Ref: 544.455–.640; Missouri Rules of Criminal Procedure
A. Definitions A. Motion
1. Bail bond agent B. Security
2. General bail agent C. Release

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 D. Warrant/Summons Ref: 374.700; Black’s Law Dictionary, Dictionary of
Insurance Terms
MISSOURI SURETY RECOVERY AGENT A. Bail
B. Bail bonds
CONTENT OUTLINE
1. Qualification bond
State Statutes, Rules, and Regulations
2. Surety bond
(50 scoreable questions) 3. Appearance bond
Ref: All references are to RSMo unless otherwise noted 4. Cash bond
C. Principal
I. POWERS AND DUTIES OF THE DIRECTOR OF
COMMERCE AND INSURANCE D. Collateral
E. Forfeitures
Ref: 374.040, 374.705, 374.750, 374.755, 374.760, F. Power of attorney
374.716 G. Recognizance
A. General powers and Duties H. Extradition
B. Reports to the Department of Insurance I. Exoneration
C. License denial, suspension, revocation J. Surety
D. Examinations K. Premium
E. Cease and Desist Orders/Hearings L. Judgment
II. LICENSING REQUIREMENTS M. Bail Bond Agent
A. Definitions VII. RULES OF CRIMINAL PROCEDURE
Ref: 374.783–.788
Ref: 544.455
1. Surety Recovery agent
Ref: 20 CSR 700-6.100–.170; DCI Bulletin 06-03 A. Motion
2. General bail agent B. Security
3. Property bail bondsman C. Release
4. Surety bail agent D. Warrant/Summons
5. Nonresident agent
B. Application procedures MISSOURI PUBLIC ADJUSTER / PUBLIC ADJUSTER SOLICITOR
C. License eligibility fees CONTENT OUTLINE
D. Licensure examination
State Statutes, Rules, and Regulations
E. License renewal
(50 scoreable questions)
III. UNFAIR TRADE PRACTICES
Note: This outline is applicable to both the Public Adjuster and
Ref: 374.717, 374.755 the Public Adjuster Solicitor Examinations.
A. Misrepresentation
B. Rebating and prohibited inducements GENERAL INSURANCE PRODUCT KNOWLEDGE, TERMS
C. Penalties AND CONCEPTS…………………………………………………………………15
D. Acting as an attorney prohibited
I. TYPES OF POLICIES
E. Ethics
A. Personal lines
IV. BAIL BOND PROCEDURES 1. Dwelling and contents (DP forms)
Ref: 374.702, 374.757, 374.763, 374.770, 374.775, 2. Personal liability
3. Homeowners (HO forms)
544.455, 544.457, 544.640
4. Mobile Homes
A. Discharging bail
B. Commercial lines
B. Recommitment of defendant
1. Commercial property
C. Bond forfeitures
a. Commercial building and personal property
D. Bond posting/transfers
form
E. Arrests/Surrenders
b. Causes of loss forms
F. Bond exoneration
c. Business income
G. Failure to appear
d. Extra expense
V. FIDUCIARY RESPONSIBILITIES 2. Commercial Package Policy (CPP)
Ref: 374.710, 374.719, 374.755, 374.775 3. Businessowners Policy (BOP)
A. Commissions, fees, premiums 4. Standard fire
B. Recordkeeping C. Inland Marine
C. Forfeitures 1. Personal floaters
D. Collateral 2. Commercial floaters
1. Receipts 3. Nationwide definition
2. Maintenance D. Bonding and Crime
3. Return 1. Fidelity
2. Crime
VI. DEFINITIONS a. Theft, disappearance, and destruction

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 b. Robbery and safe burglary 4. Policy form/Number
c. Premises burglary 5. Description of Loss
E. Others 6. Coverages
1. Flood 7. Deductible
8. Tort/Tort-Feasors
II. INSURANCE TERMS AND RELATED CONCEPTS
A. Insurance II. LOSS/DAMAGE VALUATION
B. Insurable interest A. Direct Loss vs. Indirect Loss (Loss of Use)
C. Risk B. Damages
D. Hazard 1. Special
E. Peril 2. General
F. Loss 3. Material Damage Estimates
1. Direct 4. Diminution of Value
2. Indirect C. Valuation Clause
G. Proximate cause 1. Replacement Cost Provisions
H. Deductible 2. Actual Cash Value
I. Indemnity 3. State Value
J. Actual cash value 4. Reproduction Cost
K. Replacement cost
L. Limits of liability MISSOURI STATUTES, RULES, AND REGULATIONS
M. Coinsurance/Insurance to value COMMON TO ALL LINES………………………………..15
N. Pair and set clause Ref: All references are to RSMo unless otherwise noted
O. Extensions of coverage I. DIRECTOR OF COMMERCE AND INSURANCE
P. Additional coverages A. General powers and duties
Q. Accident Ref: 374.020, 374.045, 374.210, 374.285, 375.786
R. Occurrence B. Examination of records
S. Cancellation Ref: 374.110, 374.205
T. Nonrenewal C. Cease and desist orders
U. Vacancy and unoccupancy Ref: 375.942, 374.046, 374.048, 374.049
V. Right of salvage
W. Abandonment II. LICENSING REQUIREMENTS
X. Liability A. Persons required to be licensed
Y. Negligence 1. Producer
Ref: 375.012, 375.014, 375.018, 375.022,
III. POLICY PROVISIONS AND CONTRACT LAW 375.076; 20 CSR 700-1.020
A. Declarations 2. Nonresident producer
B. Insuring agreement Ref: 375.017
C. Conditions 3. Public Adjuster
D. Exclusions Ref: 325.015-.025
E. Definition of the insured 4. Public Adjuster Solicitor
F. Duties of the insured Ref: 325.015–.025
G. Obligations of the insurance company B. License suspension, revocation, denial
H. Mortgagee rights Ref: 374.046, 374.280, 375.141
I. Proof of loss
J. Notice of claim III. MARKETING PRACTICES
K. Appraisal A. Unfair and deceptive practices
L. Other Insurance Provision Ref: 375.936
M. Assignment B. Rebating
N. Subrogation Ref: 375.936; 379.402; 379.404
O. Arbitration C. Misrepresentation
P. Elements of a contract Ref: 375.936
Q. Warranties, representations, and concealment D. Defamation
R. Binders Ref: 375.936
S. Sources of insurability information E. Unfair discrimination
T. Fair Credit Reporting Act Ref: 375.007, 375.936, 375.995
U. Law of Large Numbers F. Boycott and coercion
Ref: 375.936
PUBLIC ADJUSTER…………………. ......................................... 15 G. Public Adjusters and Solicitors
Ref: 325.010–.055
I. LOSS REPORT
A. Essential Elements IV. CERTIFICATE OF AUTHORITY
1. Inception/Expiration Date Ref: 375.161, 375.786
2. Occurrence Date
V. FIDUCIARY RESPONSIBILITIES
3. Identification of Parties Involved

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 Ref: 375.051, 375.052; 20 CSR 700-1.140 2. Loan
3. Construction Loan
VI. COMMISSIONS AND COMPENSATION 4. Leasehold
Ref: 375.076, 375.116, 375.158(3), 384.045; 20 CSR 700- B. Commitment and Policy Provisions
1.060 1. Insuring Clause
2. Terms, Conditions, and Stipulations
VII. MISSOURI INSURANCE GUARANTY ASSOCIATION 3. Exclusions
Ref: 375.771–.779 4. Subrogation

MISSOURI STATUTES, RULES, AND REGULATIONS III. REAL ESTATE OWNERSHIP

PERTINENT TO PROPERTY AND CASUALTY…….……………………5 A. Joint Tenancy
B. Tenants In Common
I. MISSOURI FAIR PLAN
C. Fee Simple
Ref: RSMo 379.810, 379.830, 379.835, 379.840,
D. Life Estate
379.845
E. Lease Hold
A. Purpose
F. Tenancy by Entireties
B. Definitions
C. Eligibility IV. RIGHTS AND INTERESTS
D. Binding authority A. Easement and Right of Way
E. Application procedures B. Liens
F. Effective date of coverage 1. Voluntary
G. Renewal/nonrenewal/cancellation 2. Involuntary
3. Mechanics Lien
II. BINDERS
4. Internal Revenue Liens
Ref: 20 CSR 500-1.300
5. Judgment Liens
III. CANCELLATION/NONRENEWAL 6. Child Support Lien
Ref: 379.160; 20 CSR 500-1.100 C. Covenants, Conditions, and Restrictions
IV. UNFAIR CLAIM SETTLEMENT PRACTICES V. LEGAL DESCRIPTIONS
Ref: 375.1000, 375.1018; 20 CSR 100-1.200-300 A. Platted and Unplatted
A. Definitions B. Section, Township, and Range
B. Misrepresentation of provisions C. Metes and Bounds
C. General standards D. Lot and Block
VI. METHODS OF TRANSFER/CONVEYANCES
MISSOURI TITLE AGENT A. Warranty Deeds
TITLE AGENCY QUALIFIED PRINCIPAL B. Quitclaim Deeds
CONTENT OUTLINE C. Deed of Trust
State Statutes, Rules, and Regulations D. Foreclosure
(50 scoreable questions) E. Probate
Note: This outline is applicable to both the Title Agent and the VII. MISSOURI TITLE INSURANCE LAWS AND
Title Agency Qualified Principal Examinations. REGULATIONS
Ref: Ch 381, RSMo, 20 CSR 500, 20 CSR 700 A. Definitions
Ref: 381.410; 381.031, 20 CSR 500-7.020, 381.400
I. TITLE INSURANCE TERMS AND CONCEPTS B. Rates
A. Commitment 1. Filing Requirements
B. Endorsement a. Closing/Settlement Fees
C. Exception Ref: 381.410, 381.412
D. Requirements b. Title Insurance Premiums
E. Encumbrance and encroachment Ref: 381.112
F. Insurer/Underwriter C. Prohibited practices
G. Chain of Title Ref: 381.161
H. Closing and Settlement D. Consumer protections
I. Recording 1. Title Commitments
J. Mortgagor/mortgagee Ref: 381.015, 381.018
K. Simultaneous issue 2. Settlement Disclosures
L. Title Defect Ref: 381.019
M. Real Property 3. Complaints to the Division
N. Closing protection letter 4. Retention of Records/Response to Division
O. Affiliated business arrangements Inquiries
II. TITLE INSURANCE POLICIES Ref: 381.122, 381.038
A. Types of Policies 5. Closing Instructions
1. Owners 6. Search and examination
a. ALTA Forms Ref: 381.071

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 E. Standards of conduct 4. Advanced Premium Tax Credit (APTC) and Cost
1. Annual On-site Review Sharing Reductions
Ref: 381.023 E. Shared Responsibility Payments
2. Disclosure of Affiliated Business F. Special Populations
Ref: 381.029 1. Identifying and reaching (demographic and
geographic)
VIII. DIRECTOR OF COMMERCE AND INSURANCE
2. Cultural and linguistic approaches and materials
A. General powers and duties
Ref: 374.045, 374.210, 374.285, 375.786 II. BASIC HEALTH INSURANCE CONCEPTS
B. Examination of records A. Health Insurance options
Ref: 374.110, 374.205 1. Health Maintenance Organizations (HMO)
C. Cease and desist orders 2. Preferred Provider Organizations (PPO)
Ref: 374.046, 374.048, 374.049, 375.942 3. Point of Service (POS) plans
D. Hearings and penalties 4. Exclusive Provider Organizations (EPO)
Ref: 374.046–.049, 381.045, 381.048, 381.115 5. High Deductible Health Plans (HDHPs)
IX. LICENSING AND PRODUCERS’ LEGAL RESPONSIBILITY 6. Health Savings Account (HSA) / Health
A. Title Producers Reimbursement Arrangements (HRA)
Ref: 381.115; 20 CSR 700-1.020, 20 CSR 700-8.005, B. Cost-sharing, premiums, payments
20 CSR 700-8.100, 20 CSR 700-8.150, 20 CSR 700- 1. Copayments
8.160 2. Deductibles
B. Agency 3. Coinsurance
Ref: 381.115; 20 CSR 700-8.100 III. HEALTH INSURANCE EXCHANGES
C. Obtaining a license A. Types of Exchanges
1. Qualifications 1. State Based Marketplace (SBM)
Ref: 375.016, 375.018, 381.118 2. State Partnership Marketplace (SPM)
D. Continuing education 3. Federally-Facilitated Marketplace (FFM)
Ref: 381.118; 20 CSR 700-8.160 B. Functions of Exchanges
E. Commissions and compensation 1. One-stop marketplace
Ref: 375.076, 375.116, 375.158(3); 20 CSR 700-1.060 2. Eligibility & Enrollment
F. Producer and agency fiduciary responsibilities 3. Single Streamlined Application Process
Ref: 375.051, 375.052, 381.022, 381.024; 4. Federal Subsidies
20 CSR 700-1.140 C. Individual Exchanges
G. License suspension, revocation, denial D. Small Business Health Options (SHOP) Exchanges
Ref: 374.046, 374.280, 375.141, 381.045; E. Qualified Health Plans (QHPs)
20 CSR 700-1.130 1. Essential Health Benefits
X. MARKETING PRACTICES 2. Preventive Health Services
A. Unfair and deceptive practices 3. Children’s Coverage
Ref: 375.936; 20 CSR 500-7.050 4. Dental and Vision Benefits
B. Rebating 5. Actuarial Value (“Metal Levels”)
Ref: 375.936; 20 CSR 500-7.070; 379.402; 379.404 IV. NAVIGATORS
C. Misrepresentation
A. Roles and Responsibilities –376.2002
Ref: 375.936; 20 CSR 500-7.050
D. Defamation 1. Provide information fairly, accurately, and
Ref: 375.936 impartially
E. Unfair discrimination 2. Plan eligibility and overview
Ref: 375.007, 375.995, 375.936 3. Plan enrollment procedures Exchange eligibility
F. Boycott and coercion and changes
Ref: 375.936, 381.161 4. Medicaid eligibility (MO HealthNet)
5. Consumer assistance
6. Qualified Health Plans (QHPs) Referrals to
MISSOURI NAVIGATOR agents/producers
CONTENT OUTLINE B. Privacy and security of health information
State Statutes, Rules, and Regulations 1. HIPAA
(50 scoreable questions plus 5 pretest questions) 2. Confidentiality, integrity, and availability of
Protected Health Information (PHI)
I. AFFORDABLE CARE ACT
A. Major Provisions V. OUTREACH AND EDUCATION
B. Essential Health Benefits A. Using culturally and linguistically appropriate
C. Exemptions language. —376.2002.2(5)
D. Financial assistance availability and determination
VI. MISSOURI STATUTES, RULES AND REGULATIONS
1. Individuals and families
RELATED TO HEALTH INSURANCE
2. Public programs (i.e., MO HealthNet and CHIP)
Ref: All references are to RSMo unless otherwise noted
3. Subsidies and tax credits for small businesses

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 A. DIRECTOR OF COMMERCE AND INSURANCE
1. General powers and duties
Ref: 374.020, 374.045, 374.210, 374.285, 375.786;
374.015-.285, 376.2010, 376.2004, 376.2006
2. Examination of records
Ref: 376.2010
3. Orders of the Director
Ref: 374.046, 374.048, 374.049;376.2011
B. LICENSING REQUIREMENTS
1. Obtaining a license
Ref: 376.2004; 20 CSR 400-11.100
2. Maintaining a license
Ref: 376.2006, 20 CSR 400-11.120-.140
3. License suspension, revocation, denial,
cancellation
Ref: 375.141, 375.946; 376.2010

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