TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.10 PURPOSE
Section 3119.10 Purpose
The purpose of this Part is to
establish pre-licensing education requirements for applicants for an insurance
producer license, establish continuing education requirements for licensed
insurance producers, and establish requirements for providers and instructors
of pre-licensing and continuing education courses. Additionally, this Part
establishes disqualification and non-compliance penalty provisions for
providers.
(Source: Amended at 34 Ill.
Reg. 5856, effective April 7, 2010)
 | TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.20 DEFINITIONS
Section 3119.20 Definitions
For the purposes of this Part,
the following definitions shall apply:
Code means
the Illinois Insurance Code [215 ILCS 5].
Contact
instruction means a course presented in a classroom or seminar format.
Course means any course of study certified to the Director that
meets the requirements of this Part, including but not limited to seminar,
classroom, and self-study formats.
Date of Original Issue means the date of the issuance of a
producer's license. Any lapse or suspension of 1 year or more shall establish
a new date of original issue and subject the person to this Part.
Department
means the Department of Insurance.
Director
means the Director of the Department of Insurance of the State of Illinois or anyone
to whom the Director's responsibilities and authority are lawfully delegated.
Interactive
Online means self-study courses only presented on the Internet that do not
require a proctored final exam.
Long Term Care
Training (LTCT) means prescribed training required by licensed producers prior
to the producer being allowed to sell long term care insurance coverage. This
training is required pursuant to 50 Ill. Adm. Code 2012.121 and may satisfy a
part of the continuing education requirement if the course is filed with the Department
as a continuing education course.
Provider means any person who offers a course for which
certification has been received by the Director.
Successful Completion means passing an examination with a
score of 70% or above in accordance with criteria established by the provider.
Supervised Examination means a proctored, timed and closed
book examination.
(Source: Amended at 34 Ill.
Reg. 5856, effective April 7, 2010)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.30 PROVIDER RESPONSIBILITIES
Section 3119.30 Provider
Responsibilities
a) Each
provider shall submit a certification to the Director for each course it
intends to offer for pre-licensing or continuing education credit. Certification
is to be submitted to the Department of Insurance at least 30 days prior to the
first date the course will be offered. Certification must be accompanied by
the appropriate fee (see 215 ILCS 5/500-135(a)(6) or (7)), be signed and dated
by the provider, and contain: the provider's name; Federal Employer
Identification Number (FEIN) and/or Social Security number of the individual
provider; contact person and that person's telephone number; published provider
telephone number; course title; first date course will be offered; whether the
course is for public education; class of insurance to which the course is
applicable; and type of course instruction (see 215 ILCS 5/500-35(b)(1)). The
certification format and content have also been posted to the Department's
website at: www.insurance.illinois.gov/Producer/producer_information.asp and
will be made available upon request from the Department. Use of the National
Association of Insurance Commissioners (NAIC) Midwest Zone Form is also
permissible for purposes of certification.
b) Each
provider shall submit a new certification when there is a significant change in
the course. No provider shall submit the same or substantially the same course
content for more than one course.
c) Each
provider shall maintain a copy of all instructional materials for each course.
If the provider ceases to offer a course or makes a significant change in the course
materials, the provider shall maintain the original material for 1 year from
the date the course was terminated or significantly changed.
d) Each
provider shall maintain the following records for 3 years at a central
location:
1) Classroom or seminar – roster for each classroom course or
seminar identifying the instructors, the student, the course, the location, the
date and hours of attendance, the completion date, the examinations and the
results of any examinations administered.
2) Self-study online – name of student, name of course, date of
completion, the examinations, the results of examinations, and other applicable
proof of completion.
e) Each provider shall provide to the Director a list of students
who have successfully completed a pre-licensing or continuing education
course. The list shall contain course number; credit hours; course title; reporting
week being submitted; provider name; FEIN and/or Social Security number for the
individual provider; and student data (including student name and Social
Security number, date course completed and either class of insurance for
pre-licensing or credit hours for continuing education). The information shall
be submitted by an electronic method of transfer prescribed by the Director and
in the specifications established by the Director. Each list shall be received
by the Director within 10 days following the end of the week in which the
course was completed. The list shall be compiled pursuant to the criteria
established in Section 3119.50(b) and (e) or Section 3119.65. The date of
completion for a course with an examination shall be the date the examination
is graded by the provider. Other than the original course fee, no additional
fee shall be charged to the student for reporting the student's successful
completion to the Department. If the initial report contains an error, no
additional charge shall be given for re-reporting the credits to the Department.
f) Instructors shall have either a Bachelor's degree or 3 years
experience in the course subject matter. Providers must maintain evidence of
such qualifications while the instructor is actively engaged in instructing the
course and for 1 year thereafter.
g) Providers shall, upon the request of the Director, provide a
copy of all course material, provider records, and evidence of instructor's
qualifications to the Director. All such requests shall be subject to a
warrant of the Director and for the express purpose of gauging compliance with
the Code and Department of Insurance regulations pertaining to the Code.
h) The Director may make arrangements, including contracting with
an outside service administrator, for the purpose of administrating and
collecting the educational data from the providers. Under such an arrangement,
all or a portion of the reporting requirements of the provider shall be made to
the servicing administrator.
i) Providers
may not advertise a pre-licensing or continuing education course unless it has
been approved by the Department of Insurance.
(Source: Amended at 34 Ill.
Reg. 5856, effective April 7, 2010)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.40 RESPONSIBILITIES OF APPLICANT FOR INSURANCE PRODUCER LICENSES AND LICENSED INSURANCE PRODUCERS UNTIL 1/1/97 (REPEALED)
Section 3119.40
Responsibilities of Applicant for Insurance Producer Licenses and Licensed
Insurance Producers Until 1/1/97 (Repealed)
(Source: Repealed at 21 Ill.
Reg. 13820, effective October 15, 1997; error in filed page corrected at 26
Ill. Reg. 16522, effective October 28, 2002)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.45 RESPONSIBILITIES OF THE APPLICANT FOR INSURANCE PRODUCER LICENSES AND THE LICENSED INSURANCE PRODUCERS
Section 3119.45
Responsibilities of the Applicant for Insurance Producer Licenses and the
Licensed Insurance Producers
a) Applicants for Insurance Producer Licenses
1) Prior to taking the licensing examination, each applicant
shall complete the pre-licensing education requirements for each class of
insurance for which an examination is being taken. The pre-licensing education
course must be used within 1 year after completion.
2) Applicants who either have earned a college degree in
insurance or hold any of the designations listed in this subsection (a)(2) will
be exempt from the pre-licensing requirement of this Part. A copy of the
college degree or certification for the following designations must be provided
to the Department at the time of licensure application.
|
Class of Insurance
|
Designation
|
|
|
|
|
Life
|
CEBS, ChFC, CIC, CFP, CLU,
FLMI, and LUTCF
|
|
Accident and Health
|
RHU, CEBS, REBC, and HIA
|
|
Property and Casualty
|
AAI, ARM, CIC, and CPCU
|
3) The following abbreviations and acronyms are used in
subsection (a)(2):
|
|
Life
Designations
|
|
|
|
|
CEBS
|
Certified Employee Benefits
Specialist
|
|
ChFC
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Chartered Financial Consultant
|
|
CIC
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Certified Insurance Counselor
|
|
CFP
|
Certified Financial Planner
|
|
CLU
|
Chartered Life Underwriter
|
|
FLMI
|
Fellow Life Management
Institute
|
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LUTCF
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Life Underwriting Training
Council Fellow
|
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|
|
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Accident
and Health Designations
|
|
|
|
|
RHU
|
Registered Health Underwriter
|
|
CEBS
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Certified Employee Benefits
Specialist
|
|
REBC
|
Registered Employee Benefits
Consultant
|
|
HIA
|
Health Insurance Associate
|
|
|
|
|
|
Property and Casualty
Designations
|
|
|
|
|
AAI
|
Accredited Advisor Insurance
|
|
ARM
|
Associate in Risk Management
|
|
CIC
|
Certified Insurance Counselor
|
|
CPCU
|
Chartered Property and
Casualty Underwriter
|
b) Licensed Insurance Producers
1) Each producer shall complete 24 hours of continuing education
requirements prior to requesting an extension of an insurance producer
license. As set forth in subsection (b)(5), three of the 24 hours of
continuing education must consist of classroom ethics. The producer should
complete the course no later than 1 month prior to the license extension date
to allow time for the provider to submit proof of completion to the Director.
Each producer shall maintain a record of each course completed for 3 years from
the date of completion. The record shall include the name of the provider, the
course title, and the date of completion.
2) Hours taken, course material provided or presented, in whole
or in part, or in conjunction with a pre-licensing course that is not certified
as pre-licensing education requirement, shall not be used to meet continuing
education requirements.
3) Courses initiated or completed prior to the original issue
date of the license shall not be used to meet continuing education
requirements.
4) The producer may accumulate a maximum of 36 credit hours on
file with the Department.
5) Each
producer whose license is subject to renewal shall meet the classroom ethics
instruction requirement by registering for, and successfully completing, three
hours of classroom ethics instruction.
(Source: Amended at 34 Ill.
Reg. 12802, effective August 20, 2010)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.50 PRE-LICENSING COURSE OF STUDY REQUIREMENTS
Section 3119.50 Pre-Licensing – Course of Study
Requirements
a) The
certification form must be received by the Director at least 30 days prior to
any course being offered.
b) A
course to be certified by the provider as a pre-licensing course of study shall
meet the content requirements of Section 500-30(b) of the Code and time
distribution requirements as set forth in Exhibit E, F, G or H of this Part,
whichever is applicable.
c) For
purposes of this Section, the minimum number of hours may be made up of any
combination of classroom, seminar, or self-study hours. A self-study course
must have an examination.
d) One credit will be
awarded for each 50 minutes of contact instruction.
e) No
credit shall be given for a self-study course if the student does not
successfully complete the examination. If the student fails an examination and
successive examinations are given, the successive examinations must be
substantially different from each other. Self-study courses are subject to the
following additional requirements:
1) No
students shall evaluate their own examination. The evaluation of the
examination must be completed by the provider;
2) No
provider shall furnish the answers to an examination prior to the student
completing the examination;
3) Self-study
exams must contain at least 25 questions. The number of questions must
increase proportionately as the amount of material increases;
4) No more
than a third of the questions shall be true/false;
5) Credit
hours shall be determined by the time it may take a student to study the
material using 10 8½" by 11" full pages per credit hour (10-12 point
font text), single line spacing with 1" margins; and
6) Graphs,
charts, forms and pictures may be used in course materials; however, only a
total of 10 percent will count toward the course content. The graphs, charts,
forms and pictures must pertain to the course content.
f) Interactive Online
Courses
Interactive online is considered a
type of self-study course. Interactive online courses are, by definition, only
presented on the Internet and do not require a proctored final exam. To be
eligible for certification under Section 3119.30, an interactive online course
must meet the following additional requirements:
1) The
course must provide at least 5 questions after each unit or chapter. The
questions must be answered prior to proceeding to the next unit or chapter.
The material may be reviewed while answering questions;
2) The
course must provide clear instructions on how to navigate through the course;
3) The
course must provide the ability to go back and review any unit at any time;
4) The
course must provide online viewing access to the Department at all times;
5) The
course must include a statement that the student information will not be sold
or distributed to any third party without prior written consent of the
student. Taking the course shall not constitute consent;
6) The
course must provide some type of encryption. All personal information,
including credit card number, name and address of the student must be encrypted
so that the information cannot be read as it passes across the Internet;
7) Students
must affirm that they, and only they, completed the course; and
8) The
course must include the ability to contact an instructor (i.e., automated
e-mail).
(Source: Amended at 34 Ill. Reg. 5856,
effective April 7, 2010)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.60 CONTINUING EDUCATION REQUIREMENTS
Section 3119.60 Continuing Education Requirements
a) The
certification must be received by the Director at least 30 days prior to any
course being offered.
b) For
purposes of this Section, "full credit" shall mean the reasonable amount
of time, as certified by the provider, that is necessary for a student to study
for and pass an examination, or in the case of a course with no examination,
the number of documented classroom attendance hours.
c) Courses
shall be intended to increase the knowledge and understanding of insurance
principles and coverages, applicable laws, insurance regulations, agency
management, customer service and sales. The following courses shall not be
considered for continuing education:
1) Courses
used for insurance pre-licensing training or insurance qualifying examination
preparation.
2) Courses
with less than 1 hour of certified continuing education credit.
3) Courses in excess of 12
hours of certified continuing education credit.
d) For
purposes of this Section, the minimum number of hours may be made up of any
combination of classroom, seminar, or self-study hours.
e) One credit will be
awarded for each 50 minutes of contact instruction.
f) No
credit shall be given for a self-study course if the student does not
successfully complete the examination. If the student fails an examination and
successive examinations are given, the successive examinations must be
substantially different from each other. Self-study courses are subject to the
following additional requirements:
1) No
students shall evaluate their own examination. The evaluation of the
examination must be completed by the provider;
2) No
provider shall furnish the answers to an examination prior to the student
completing the examination;
3) Self-study
exams must contain at least 25 questions. The number of questions must
increase proportionately as the amount of material increases;
4) No more
than a third of the questions shall be true/false; and
5) Credit
hours shall be determined by the time it may take a student to study the
material using 10 8½" by 11" full pages per credit hour (10-12 point
font text), single line spacing with 1" margins.
g) Interactive Online
Courses
Interactive online is considered
to be a type of self-study course. Interactive online courses are, by
definition, only presented on the Internet and do not require a proctored final
exam. To be eligible for certification under Section 3119.30, an interactive
online course must meet the following additional requirements:
1) The
course must provide at least 5 questions after each unit or chapter. The
questions must be answered prior to proceeding to the next unit or chapter.
The material may be reviewed while answering questions;
2) The
course must provide clear instructions on how to navigate through the course;
3) The
course must provide the ability to go back and review any unit at any time;
4) The
course must provide online viewing access to the Department at all times;
5) The
course must include a statement that the student information will not be sold
or distributed to any third party without prior written consent of the
student. Taking the course shall not constitute consent;
6) The
course must provide some type of encryption. All personal information,
including credit card number, name and address of the student must be encrypted
so that the information cannot be read as it passes across the Internet;
7) Students
must affirm that they, and only they, completed the course; and
8) The
course must include the ability to contact an instructor (i.e., automated e-mail).
h) LTC Training Credit
1) Continuing
education credit may be earned based on the criteria established in Section
3119.65.
2) Training
credit may be obtained after a failed examination if the provider gives, and
the student successfully completes, a substantially different examination.
3) If a
student receives training credit only, the provider shall issue a proof of
completion certificate to the student but the certificate shall be prominently
stamped "NO CON-ED CREDIT".
(Source: Amended at 44 Ill. Reg. 3910,
effective March 2, 2020)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.65 COURSE CREDIT
Section 3119.65 Course Credit
The value of
course credit for purposes of this Section shall be determined as follows:
a) Supervised
Examinations
1) Successful
Completion
Students who successfully
complete a supervised examination will receive full credit for the course.
2) Unsuccessful
Completion
Students who do not successfully
complete a supervised continuing education examination shall receive one hour
of credit for each hour of documented classroom attendance not to exceed 50% of
full credit.
b) Non-Supervised
Examination
1) Successful
Completion
Students
who successfully complete a non-supervised examination will receive full credit
for the course.
2) Unsuccessful
Completion
Students who do not successfully
complete a non-supervised examination will receive no credit. If the student
fails a non-supervised examination and successive examinations are given, the
successive examinations must be substantially different from each other.
c) Courses
Without Examination
Students will receive credit for
documented attendance based on the certified hours assigned to the course.
d) A
producer will not be permitted to take a course for credit more than once in a
license continuation period.
e) Continuing
education instructors may receive continuing education credit for courses they
teach. The credit earned shall be determined pursuant to the criteria
established in this Section.
(Source: Amended at 34 Ill.
Reg. 5856, effective April 7, 2010)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.70 COURSE AND PROVIDER DISQUALIFICATION
Section 3119.70 Course and
Provider Disqualification
a) The Director may disqualify any provider and/or any provider's
courses if the Director finds that:
1) the provider or course has not met the requirements of this
Part;
2) the provider has made a material misstatement or intentional
misrepresentation on a certification form filed with the Director; a
misstatement will be considered material if the course would not have been
certified in the absence of such statement;
3) the provider has intentionally misrepresented itself or its
course to students or prospective students;
4) the provider has violated any commitment made in the request
for certification and supplementary attachments to the certification, including
failure to maintain the standards and method of operation set forth in the
request for certification and any supplementary attachments;
5) the provider has employed instructors who do not meet the
requirements of Section 3119.30(f);
6) the provider is deemed by the Director to have failed to act
in good faith in providing a course. A failure to act in good faith may be
evidenced by the following:
A) a student pass/fail ratio inconsistent with those of other
providers for courses which are similar in content and difficulty;
B) the number of complaints received by the Director that
specifically relate to the provider's courses;
C) provides to the student a proof of completion form that
contains false or incomplete information;
D) provides to the student a partially completed proof of
completion form;
7) the provider has failed to maintain the materials and records
pursuant to Section 3119.30;
8) the provider failed to furnish the Director with information
and records required by Section 3119.30, or the provider supplied false or
incomplete information or records;
9) the provider fails to furnish the Director with an accurate student
proof of completion list required by Section 3119.30(e) within 10 days
following the end of the week in which the course was completed;
10) The provider has, while conducting business as a provider,
used fraudulent or dishonest practices, or has demonstrated incompetence or
untrustworthiness.
b) Disqualification of a provider or course shall be by order of
the Director and will be sent to the provider by certified or registered mail
at the address specified in the Department's records. The provider may request
a hearing in writing in accordance with 50 Ill. Adm. Code 2402, within 30 days
from the date of mailing. If no written request is made, the order shall be
final upon the expiration of 30 days.
c) If the provider requests a hearing within 30 days, then the
Director shall issue within 30 days after receipt of the request a written
notice of hearing to the provider by certified or registered mail and it will
be sent to the provider at the address specified in the Department's records. The
notice of hearing must state:
1) The grounds, charges or conduct that justifies
disqualification under this Section;
2) A specific time for the hearing, which may not be less than 20
days nor more than 30 days after the mailing of the notice of hearing; and
3) A specific place for the hearing.
d) Upon disqualification, the provider shall immediately
discontinue offering its courses as certified courses. The Director shall
publish all final disqualifications.
e) In any order of disqualification, the Director shall give
consideration for credit hours to present students.
f) An education provider who has been disqualified will be
ineligible to apply to the Department for 3 years after the date of the
disqualification. A provider whose certification has been disqualified may not
be employed, contracted or engaged in any insurance education related capacity
during the time the disqualification is in effect.
(Source: Amended at 34 Ill.
Reg. 5856, effective April 7, 2010)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.75 ADDITIONAL PENALTIES
Section 3119.75 Additional
Penalties
In addition to, or instead of, course and provider
disqualifications as set forth in Section 3119.70, the Director may take any
appropriate regulatory action authorized by Article XXIV of the Code or any
other provision of the Code or rule against a provider who fails to meet the
requirements of this Part.
(Source: Added at 34 Ill.
Reg. 5856, effective April 7, 2010)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.80 SEVERABILITY
Section 3119.80 Severability
If any provision of this Part or
the application thereof to any person or circumstance is for any reason held to
be invalid, the remainder of the Part and the application of such provision to
other persons or circumstances shall not be affected thereby.
Section 3119.EXHIBIT A REQUEST FOR CERTIFICATION OF A PRELICENSING COURSE (Repealed)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT A REQUEST FOR CERTIFICATION OF A PRELICENSING COURSE (REPEALED)
Section 3119.EXHIBIT A REQUEST
FOR CERTIFICATION OF A PRELICENSING COURSE (Repealed)
(Source: Repealed at 25 Ill. Reg. 6480, effective May 3, 2001)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT B REQUEST FOR CERTIFICATION OF A CONTINUING EDUCATION COURSE (REPEALED)
Section 3119.EXHIBIT B REQUEST
FOR CERTIFICATION OF A CONTINUING EDUCATION COURSE (Repealed)
(Source: Repealed at 25 Ill. Reg. 6480, effective May 3, 2001)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT C PROVIDER LIST - PROOF OF COMPLETION FOR PRE-LICENSING EDUCATION (REPEALED)
Section 3119.EXHIBIT C PROVIDER
LIST - PROOF OF COMPLETION FOR PRE-LICENSING EDUCATION (Repealed)
(Source: Repealed at 25 Ill. Reg. 6480, effective May 3, 2001)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT D PROVIDER LIST PROOF OF COMPLETION FOR CONTINUING EDUCATION (REPEALED)
Section 3119.EXHIBIT D
PROVIDER LIST – PROOF OF COMPLETION FOR CONTINUING EDUCATION (Repealed)
(Source: Repealed at 25 Ill. Reg. 6480, effective May 3, 2001)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT E COURSE OF STUDY LIFE
Section 3119.EXHIBIT E
COURSE OF STUDY – LIFE
|
Course
of Study Content Requirements
|
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Time
Distribution Requirements
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I.
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Types of policies and
coverages
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32%
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A.
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Endowment
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B.
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Term
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1.
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Level term
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2.
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Decreasing term
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C.
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Whole Life
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D.
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Limited Pay policies
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E.
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Combination plan
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F.
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Other types of policies:
|
|
|
|
|
|
1.
|
Modified life
|
|
|
|
|
|
2.
|
Family plans
|
|
|
|
|
|
3.
|
Deposit term
|
|
|
|
|
|
4.
|
Universal life
|
|
|
|
|
G.
|
Annuity
|
|
|
|
|
H.
|
Accidental death and
dismemberment
|
|
|
|
|
I.
|
Uses for term insurance
|
|
|
|
|
J.
|
Uses for whole life insurance
|
|
|
|
|
K.
|
Group life
|
|
|
|
|
L.
|
Industrial insurance
|
|
|
|
II.
|
Policy provisions, options and
benefits
|
|
40%
|
|
|
A.
|
Entire contract
|
|
|
|
|
B.
|
Insuring clause
|
|
|
|
|
C.
|
Free look
|
|
|
|
|
D.
|
Consideration clause
|
|
|
|
|
E.
|
Owner's rights
|
|
|
|
|
F.
|
Primary and contingent
beneficiaries
|
|
|
|
|
G.
|
Change of beneficiary
|
|
|
|
|
H.
|
Grace period
|
|
|
|
|
I.
|
Automatic premium loan
|
|
|
|
|
J.
|
Reinstatement
|
|
|
|
|
K.
|
Policy loan
|
|
|
|
|
L.
|
Nonforfeiture options
|
|
|
|
|
M.
|
Dividends and dividends
options
|
|
|
|
|
N.
|
Guaranteed insurability
options
|
|
|
|
|
O.
|
Incontestability
|
|
|
|
|
P.
|
Assignment
|
|
|
|
|
Q.
|
Suicide
|
|
|
|
|
R.
|
Misstatement of age
|
|
|
|
|
S.
|
Settlement options
|
|
|
|
|
T.
|
Waiver of premiums
|
|
|
|
|
U.
|
Accidental death benefit
|
|
|
|
|
V.
|
Term riders
|
|
|
|
|
W.
|
Exclusions
|
|
|
|
|
X.
|
Conversion Options (individual
and group)
|
|
|
|
III.
|
Completing the application and
delivering the policy
|
|
16%
|
|
|
A.
|
Completing
the application and obtaining necessary signatures
|
|
|
|
|
B.
|
Warranties
and Representations
|
|
|
|
|
C.
|
Complying
with provision of Fair Credit Reporting Act and Illinois Insurance Privacy
Act
|
|
|
|
|
D.
|
Explaining
the effect of the application with money
|
|
|
|
|
E.
|
Explaining
the effect of the application without money
|
|
|
|
|
F.
|
The
underwriting process
|
|
|
|
|
G.
|
Delivery
and explanation of the policy
|
|
|
|
IV.
|
Taxes, retirement and other
insurance concepts
|
|
12%
|
|
|
A.
|
Insurable interest
|
|
|
|
|
B.
|
Third party ownership
|
|
|
|
|
C.
|
Individual tax shelter plans,
IRA, Keogh and TSA
|
|
|
|
|
D.
|
Social Security benefits and
taxes
|
|
|
|
|
E.
|
Tax treatment of premiums and
proceeds of insurance contracts
|
|
|
|
|
F.
|
Determination of premiums
|
|
|
|
|
|
1.
|
Mortality
|
|
|
|
|
|
2.
|
Interest
|
|
|
|
|
|
3.
|
Mortality
|
|
|
|
|
G.
|
Policy reserves
|
|
|
(Source: Amended at 20 Ill. Reg. 10340, effective July 19, 1996)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT F COURSE OF STUDY ACCIDENT/HEALTH
Section 3119.EXHIBIT F
COURSE OF STUDY – ACCIDENT/HEALTH
|
Course
of Study Content Requirements
|
|
Time
Distribution Requirements
|
|
|
|
|
|
|
I.
|
Types of policies and
coverages
|
|
30%
|
|
|
A.
|
Disability income
|
|
|
|
|
B.
|
Accidental death and
dismemberment and other indemnity plans
|
|
|
|
|
C.
|
Medical expense insurance
|
|
|
|
|
D.
|
Medicare and Medicare
supplements
|
|
|
|
|
E.
|
Medicaid
|
|
|
|
|
F.
|
Limited coverage plans (
cancer plans and travel accident)
|
|
|
|
II.
|
Policy provisions, options and
benefits
|
|
30%
|
|
|
A.
|
Entire contract
|
|
|
|
|
B.
|
Insuring clause
|
|
|
|
|
C.
|
Free look (ten day, twenty
day)
|
|
|
|
|
D.
|
Consideration clause
|
|
|
|
|
E.
|
Owner's rights
|
|
|
|
|
F.
|
Change of beneficiaries
|
|
|
|
|
G.
|
Grace period
|
|
|
|
|
H.
|
Probationary (waiting) period
|
|
|
|
|
I.
|
Reinstatement
|
|
|
|
|
J.
|
Time limit on certain defenses
|
|
|
|
|
K.
|
Misstatement of age
|
|
|
|
|
L.
|
Waiver of premiums
|
|
|
|
|
M.
|
Exclusions
|
|
|
|
|
N.
|
Payment of claims
|
|
|
|
|
O.
|
Notice of claims
|
|
|
|
|
P.
|
Claim forms
|
|
|
|
|
Q.
|
Proof of loss
|
|
|
|
|
R.
|
Legal actions
|
|
|
|
|
S.
|
Time of payment of claims
|
|
|
|
|
T.
|
Physical examinations and
autopsy
|
|
|
|
|
U.
|
Change of occupation
|
|
|
|
|
V.
|
Illegal occupation
|
|
|
|
|
W.
|
Nonduplication and
coordination of benefits (e.g., primary vs. excess benefits)
|
|
|
|
|
X.
|
Group conversions
|
|
|
|
III.
|
Completing the application and
delivering the policy
|
|
10%
|
|
|
A.
|
Completing
the application and obtaining necessary signatures
|
|
|
|
|
B.
|
Warranties
and Representations
|
|
|
|
|
C.
|
Complying
with provision of Fair Credit Reporting Act and Illinois Insurance Privacy
Act
|
|
|
|
|
D.
|
Explaining
the effect of the application with money
|
|
|
|
|
E.
|
Explaining
the effect of the application without money
|
|
|
|
|
F.
|
The
underwriting process
|
|
|
|
|
G.
|
Delivery
and explanation of the policy
|
|
|
|
IV.
|
Group insurance, taxation, and
other insurance concepts
|
|
16%
|
|
|
A.
|
Group insurance
|
|
|
|
|
B.
|
Occupational vs.
nonoccupational coverage
|
|
|
|
|
C.
|
Total vs. partial disability
|
|
|
|
|
D.
|
Social Security benefits and
taxes
|
|
|
|
|
E.
|
Service organizations (e.g.,
Blue Cross/Blue Shield, HMO)
|
|
|
|
|
F.
|
Tax treatment of premiums and
proceeds of insurance contracts (e.g., disability and medical expense)
|
|
|
|
V.
|
Other provisions affecting
insurance benefits
|
|
14%
|
|
|
A.
|
Deductibles
|
|
|
|
|
B.
|
Elimination (waiting) period
|
|
|
|
|
C.
|
Coinsurance
|
|
|
|
|
D.
|
Preexisting conditions
|
|
|
|
|
E.
|
Renewability provisions (e.g.,
noncancellable, guaranteed renewable, conditionally renewable, optionally
renewable)
|
|
|
|
|
F.
|
Covered medical expenses
|
|
|
(Source: Amended at 20 Ill. Reg. 10340, effective July 19, 1996)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT G COURSE OF STUDY FIRE
Section 3119.EXHIBIT G COURSE
OF STUDY – FIRE
|
Course
of Study Content Requirements
|
|
Time
Distribution Requirements
|
|
|
|
|
|
|
I.
|
Insurance and
Insurance-Related Concepts
|
|
25%
|
|
|
A.
|
Risks
|
|
|
|
|
B.
|
Hazards
|
|
|
|
|
C.
|
Indemnity
|
|
|
|
|
D.
|
Insurable interest
|
|
|
|
|
E.
|
Actual cash value
|
|
|
|
|
F.
|
Replacement cost
|
|
|
|
|
G.
|
Coinsurance
|
|
|
|
|
H.
|
Specified (named) perils
|
|
|
|
|
I.
|
All-risk
|
|
|
|
|
J.
|
Burglary
|
|
|
|
|
K.
|
Robbery
|
|
|
|
|
L.
|
Theft
|
|
|
|
|
M.
|
Mysterious disappearance
|
|
|
|
|
N.
|
Negligence
|
|
|
|
|
O.
|
Liability
|
|
|
|
|
P.
|
Accident
|
|
|
|
|
Q.
|
Occurrences
|
|
|
|
|
R.
|
Warranties
|
|
|
|
|
S.
|
Representations
|
|
|
|
II.
|
Policy Provisions
|
|
20%
|
|
|
A.
|
Declarations
|
|
|
|
|
B.
|
Definition of the insured
|
|
|
|
|
C.
|
Insuring agreement
|
|
|
|
|
D.
|
Duties of the insured
|
|
|
|
|
E.
|
Obligations of the company
|
|
|
|
|
F.
|
Cancellation and nonrenewal
provisions
|
|
|
|
|
G.
|
Supplementary payments
(additional coverages)
|
|
|
|
|
H.
|
Vacancy and unoccupancy
|
|
|
|
|
I.
|
Abandonment
|
|
|
|
|
J.
|
Mortgage rights
|
|
|
|
|
K.
|
Proof of loss (notice of
claim)
|
|
|
|
|
L.
|
Appraisals
|
|
|
|
|
M.
|
Pro-rata liability (other
insurance)
|
|
|
|
|
N.
|
Assignment
|
|
|
|
|
O.
|
Subrogation
|
|
|
|
|
P.
|
Compliance with provisions of
Fair Credit Reporting Act
|
|
|
|
III.
|
Types of Policies
|
|
25%
|
|
|
A.
|
Standard
fire policy
|
|
|
|
|
|
1.
|
General property form
including extended coverage
|
|
|
|
|
|
2.
|
Time element policy
|
|
|
|
|
|
|
a.
|
Gross earnings
|
|
|
|
|
|
|
b.
|
Earnings
|
|
|
|
|
|
|
c.
|
Extra expense
|
|
|
|
|
B.
|
Homeowners
|
|
|
|
|
C.
|
Inland marine-Personal article
floater and pleasure craft
|
|
|
|
|
D.
|
Special multi-peril
|
|
|
|
|
E.
|
National flood
|
|
|
|
|
F.
|
FAIR plan
|
|
|
|
|
G.
|
Mine subsidence
|
|
|
|
|
|
|
|
|
|
|
|
|
IV.
|
Perils, Exclusions,
Deductibles, and Liability
|
|
24%
|
|
|
A.
|
Property covered
|
|
|
|
|
B.
|
Perils covered
|
|
|
|
|
C.
|
Exclusions,
extensions, limitations, and conditions
|
|
|
|
|
D.
|
Deductibles
|
|
|
|
|
E.
|
Limits of liability
|
|
|
|
|
F.
|
Bodily injury and property
damage liability
|
|
|
|
V.
|
Prospecting and Evaluating
Needs
|
|
2%
|
|
|
A.
|
Keeps current as to changes
(e.g., markets, introduction of new coverages) in types of coverages that
might expand coverage for current clients or increase the number of potential
clients
|
|
|
|
|
B.
|
Reviews prospect's existing
policies to prevent duplication of coverage and determine areas of further
potential coverage
|
|
|
|
|
C.
|
Obtains information necessary
to analyze risks, hazards, and exposures
|
|
|
|
|
D.
|
Analyzes risks, hazards, and
exposure in order to determine prospect's needs
|
|
|
|
|
E.
|
Evaluates continued adequacy
of protection, determines unprotected exposures, and recommends suitable
changes in coverage
|
|
|
|
|
F.
|
Contacts accounts at renewal
time and reviews existing policies
|
|
|
|
VI.
|
Servicing Clients
|
|
2%
|
|
|
A.
|
Explains services (e.g.,
claims, safety programs) provided by insurance producer and company
|
|
|
|
|
B.
|
Assists policyowner with
service needs (e.g., change of name, change of mode of premium payment)
|
|
|
|
|
C.
|
Maintains accurate records of
client data (e.g., change of address)
|
|
|
|
|
D.
|
Assists in filing and
following up in claims
|
|
|
|
VII.
|
Presentation and Acceptance
|
|
2%
|
|
|
A.
|
Informs insured and carrier of
date and time coverage takes effect
|
|
|
|
|
B.
|
Prepares and forwards
proposal, application, and other pertinent information to appropriate carrier
for underwriting and premium determination
|
|
|
|
|
C.
|
Maintains complete records of
all business transactions as required (e.g., pending files, binders, binder
charges, and premium accounting)
|
|
|
(Source: Amended at 25 Ill. Reg. 6480, effective May 3, 2001)
| TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF INSURANCE
SUBCHAPTER ii: INSURANCE PRODUCERS, LIMITED INSURANCE REPRESENTATIVES AND BUSINESS ENTITIES
PART 3119
PRE-LICENSING AND CONTINUING EDUCATION
SECTION 3119.EXHIBIT H COURSE OF STUDY CASUALTY/MOTOR VEHICLE
Section 3119.EXHIBIT H COURSE
OF STUDY – CASUALTY/MOTOR VEHICLE
|
Course
of Study Content Requirements
|
|
Time
Distribution Requirements
|
|
|
|
|
|
|
I.
|
Insurance and
Insurance-Related Concepts
|
|
25%
|
|
|
A.
|
Risks
|
|
|
|
|
B.
|
Hazards
|
|
|
|
|
C.
|
Indemnity
|
|
|
|
|
D.
|
Insurable interest
|
|
|
|
|
E.
|
Actual cash value
|
|
|
|
|
F.
|
Negligence
|
|
|
|
|
G.
|
Liability
|
|
|
|
|
H.
|
Accident
|
|
|
|
|
I.
|
Occurrence
|
|
|
|
|
J.
|
Burglary
|
|
|
|
|
K.
|
Robbery
|
|
|
|
|
L.
|
Theft
|
|
|
|
|
M.
|
Mysterious disappearance
|
|
|
|
|
N.
|
Fidelity (employee dishonesty)
|
|
|
|
|
O.
|
Warranties
|
|
|
|
|
P.
|
Representations
|
|
|
|
II.
|
Policy Provisions
|
|
20%
|
|
|
A.
|
Declarations
|
|
|
|
|
B.
|
Definition of the insured
|
|
|
|
|
C.
|
Insuring agreement
|
|
|
|
|
D.
|
Duties of the insured
|
|
|
|
|
E.
|
Obligations of the company
|
|
|
|
|
F.
|
Cancellation and nonrenewal
provisions
|
|
|
|
|
G.
|
Supplementary payments
(additional coverages)
|
|
|
|
|
H.
|
Proof of loss (notice of
claim)
|
|
|
|
|
I
|
Arbitration
|
|
|
|
|
J.
|
Pro-rata liability (other
insurance)
|
|
|
|
|
K.
|
Subrogation
|
|
|
|
|
L.
|
Compliance with provisions of
Fair Credit Reporting Act
|
|
|
|
III.
|
Types of Policies
|
|
25%
|
|
|
A.
|
General
Liability
|
|
|
|
|
|
1.
|
Owners, landlords, and tenants
|
|
|
|
|
|
2.
|
Manufacturers, contractors
|
|
|
|
|
|
3.
|
Products and completed
operations
|
|
|
|
|
|
4.
|
Contractual liability
|
|
|
|
|
|
5.
|
Comprehensive general
liability
|
|
|
|
|
B.
|
Automobile-Personal and
commercial auto insurance, including assigned risk and involuntary plans
|
|
|
|
|
C.
|
Workers Compensation
|
|
|
|
|
D.
|
Crime
|
|
|
|
|
|
1.
|
Fidelity
|
|
|
|
|
|
2.
|
Open stock burglary
|
|
|
|
|
|
3.
|
Mercantile robbery and safe
burglary
|
|
|
|
|
|
4.
|
Money and security broad form
|
|
|
|
|
|
|
|
|
|
|
|
IV.
|
Perils, Exclusions,
Deductibles, and Liability
|
|
24%
|
|
|
A.
|
Bodily injury and property
damage liability
|
|
|
|
|
B.
|
Perils covered
|
|
|
|
|
C.
|
Exclusions, extensions,
limitations, and conditions
|
|
|
|
|
D.
|
Limits of liability
|
|
|
|
|
E.
|
Deductibles
|
|
|
|
V.
|
Prospecting and Evaluating
Needs
|
|
2%
|
|
|
A.
|
Keeps
current as to changes (e.g., markets, introduction of new coverages) in types
of coverages that might expand coverage for current clients or increase the
number of potential clients
|
|
|
|
|
B.
|
Reviews
prospect's existing policies to prevent duplication of coverage and determine
areas of further potential coverage
|
|
|
|
|
C.
|
Obtains information
necessary to analyze risks, hazards and exposures
|
|
|
|
|
D.
|
Analyzes
risks, hazards, and exposures in order to determine prospect's needs
|
|
|
|
|
E.
|
Evaluates
continued adequacy of protection, determines unprotected exposures, and
recommends suitable changes in coverage
|
|
|
|
|
F.
|
Contacts
accounts at renewal time and reviews existing policies
|
|
|
|
VI.
|
Servicing Clients
|
|
2%
|
|
|
A.
|
Explains services (e.g.,
claims, safety programs) provided by insurance producer and company
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B.
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Assists policyowner with
service needs (e.g., change of name, policy loans, change of mode of premium
payment)
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C.
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Maintains accurate records of
client data (e.g., change of address)
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D.
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Assists in filing and
following up in claims
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VII.
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Presentation and Acceptance
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2%
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A.
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Informs insured and carrier of
date and time coverage takes effect
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B.
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Prepares and forwards
proposal, application, and other pertinent information to appropriate carrier
for underwriting and premium determination
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C.
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Maintains complete records of
all business transactions as required (e.g., pending files, binders, and
binder charges)
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(Source: Amended at 25 Ill. Reg. 6480, effective May 3, 2001)
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