2-20 General Lines Agents Pre-Licensing Course - Florida Insurance College

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WELCOME TO FLORIDA INSURANCE COLLEGE

Florida Insurance College 1425 West SR 434 - Suite 113 Longwood, FL 32750 866-506-0139 info@floridainsurancecollege.com

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This Department of Financial Services approved 2-20 Florida Personal Lines Agent pre-licensing course is a qualified 200 hour course to prepare each student for the 2-20 General Lines Agent Exam. The course uses adult learning theories (gamification, immersive learning, kinesthetic learning, and case study) to ensure each student is well prepared for the state exam. The course is 100% audio supported and audio files are downloadable. The 28th edition of the FAIA study manual drives the course content and can be purchased by contacting the FAIA at (850) 893-4155.. Student's have unlimited access to the course and the course final exam can be taken up to five times.

Exam Prep Materials: Free Electronic Flash Cards
Exam Prep Materials: Free SmartNotes – Exam Cram Manual

Course Provider: Florida Insurance College
FLDFS Provider #: 371609
Course Approval #: 105969

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Course Content

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2-20 General Lines Agents Pre-Licensing Course

How to Navigate the Course

Welcome Letter for the 2-20 Course

2-20 Course Introduction

Unit One: General Information

2-20 Introduction – Unit One

Preparing For The State License Exam

Study Suggestions

Qualifications Required for a General Lines License

Qualifications Required For A Personal Lines Agent

Qualifications Required For A Customer Representative License

Duties and Functions of the Department of Financial Services

2-20 Insurance in Action, Unit One

2-20 End of Unit One 1 Assessment

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2-20 Unit One Quiz – General Information

Unit Two - Property and Liability Insurance Concepts

2-20 Introduction – Unit Two

What Is An Insurance Policy

Contracts in General

Standard vs. Statutory Policies

Property and Liability Insurance

Insurance Contract Characteristics 5 Topics

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Personal Contracts

Conditional Contracts

Contracts of Adhesion

Indemnity Contracts

Insurable Interest

Contract Elements 4 Topics

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Insuring Agreement

Property Insurance Concepts 23 Topics

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Perils and Hazards

Proximate Cause

Direct vs. Indirect Loss

Lender Interest

Loss Settlement Valuations

Replacement Cost Valuation

Salvage Value Example

Agreed Value Valuation

Florida’s Valued Policy Law

Coinsurance Example One

Coinsurance Example Two

Specific vs. Blanket Insurance

Straight Deductible Example

Percentage Deductible

Percentage Deductibles Declarations Page Review

Percentage Deductible Example One

Percentage Deductibles Declarations Page Review

Percentage Deductible Example Two

Franchise Deductibles

Franchise Deductible Example

Damages, Deductibles, and Coverage

Liability Insurance Concepts

Doctrines of Waiver and Estoppel

Bases For Insurer Avoidance Of Performance 6 Topics

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Misrepresentation

Avoidance Under The Florida Statutes

Insurance Policy Conditions 13 Topics

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Insured’s Duties Following Loss

Property Insurance – Duties Following Loss

Liability Policies – Duties Following Loss

Subrogation – Example

Assignment, Changes, Policy Period, and Policy Territory

Other Insurance

Pro-Rata Share – Example

Primary, Excess, Equal Shares, and Cancellation

Abandonment and Severability

2-20 Insurance in Action: Contract Characteristics, Unit Two

2-20 End of Unit Two 1 Assessment

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2-20 Unit Two Quiz – P&C Concepts

Unit Three - Personal Automobile

2-20 Introduction – Unit Three

Financial Responsibility 3 Topics

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Financial Responsibility – Satisfaction of the Law

Non-Satisfaction of the Law and Remedy

No-Fault 26 Topics

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No-Fault Definitions

No-Fault Requirements for Non-Residents

No-Fault Penalties

No-Fault’s Required PIP Benefits

No-Fault’s Required PIP Benefits (continued)

No-Fault’s Other Requirements

PIP Deductibles

PIP Deductibles – Example

No-Fault, Primary or Excess?

No-Fault’s PIP Benefits: Injuries to Named Insured

No-Fault’s PIP Benefits: Injuries to Named Insured – Example

No-Fault’s PIP Benefits – Injuries to Residing Relatives

No-Fault’s PIP Benefits: Injuries to Residing Relatives – Example

No-Fault’s PIP Benefits – Other Than Residing Relatives

No-Fault’s PIP Benefits: Injuries to Persons Other Than Insured and Relatives – Example

No-Fault’s PIP Benefits: General Explanation

Instances When the No-Fault Law Has No Application

No-Fault’s Exclusions

No-Fault’s Tort Exemption

The No-Fault Tort Exemption Example

The No-Fault Tort Exemption (vehicle vs. person)

When the exemption is “to the extent PIP was paid or payable…”

Tort Exemption – When the exemption is “to the extent PIP was paid or payable…” – Example

Financial Responsibility Law Questions

Personal Auto Policy 1 Topic

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Personal Auto Policy Sections

PAP Declarations

PAP Definitions 5 Topics

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PAP Definitions “your covered auto”

PAP Definitions “newly acquired auto”

PAP Definitions “newly acquired auto” (continued)

Physical Damage Coverage “newly acquired auto”

PAP Definition Questions

Part A – Liability Coverage 5 Topics

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Notes from the General Lines Manual

Part A – Liability Coverage: Who Is Insured?

Liability Coverage Exclusions

Part A – Liability Limits

Part B – Medical Payments 2 Topics

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Medical Payments Exclusions

Medical Payments – How Losses Are Paid

Part C – Uninsured Motorists Coverage 9 Topics

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UMBI “Stacked” Coverage

UMBI Stacked Coverage – Example

Non-Stacked Coverage

Uninsured Motorists (UM) Coverage

What UM Coverage Does NOT Pay For

UMBI Example One

UMBI Example Two

UMBI Example Three

Uninsured Motorists Questions

Part D – Coverage For Damage To Your Auto 5 Topics

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“non-owned autos” & “hired autos”

Collision and Other than Collision Coverages

Transportation Expenses

Part D Exclusions

Personal Auto Parts A, B, C, and D Questions

Parts E and F – Other Provisions 2 Topics

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Policy Period and Territory

Parts E and F – Other Provisions Questions

Endorsements 1 Topic

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PAP Endorsements Questions

Rating and Risk Factors 2 Topics

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PAP Rating and Risk Factors continued

PAP Rating Questions

Miscellaneous Florida Automobile Laws 11 Topics

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Cancellation and Non-Renewal

Cancellation after 60 Days of a New Policy

Requirements for a Cancellation Notice

Unfair Trade Practices

Information Disclosure to Claimants

Glass Breakage – Deductibles

Treatment of Motorcycles

Responsibility for Minors Operating Motor Vehicles

Inspection Requirements for Coverage

Waiver for Inspection

Miscellaneous Florida Automobile Laws Questions

Mechanical Breakdown Insurance

2-20 Insurance in Action: Personal Auto Policy, Unit Three

2-20 End of Unit Three 1 Assessment

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2-20 Unit Three Quiz – Personal Automobile

Unit Four - Homeowners, Dwelling, and Related Coverages

2-20 Introduction – Unit Four

Homeowners Insurance 7 Topics

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Eligibility Requirements

Private Residential Occupancy – Homeowners Policy

Definition of an Insured – Homeowners Policy

Ineligible As A Named Insured – Homeowners Policy

Forms Available – Homeowners Policy

How Homeowners Insurance Premiums Are Rated

Deductibles – Homeowners Policy

Section I – Property Coverage 13 Topics

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Coverage A – Dwelling – Homeowners Policy

Coverage B – Other Structures – Homeowners Policy

Coverage C – Personal Property – Homeowners Policy

Coverage C Exclusions – Homeowners Policy

Coverage D – Loss of Use

Coverage D Loss of Use – Example

Limits – Homeowners Policy

Specific Limits on Personal Property – Homeowners Policy

Additional Coverages – Homeowners Policy

Table: Perils Insured Against, a.k.a. Covered Causes of Loss

HO-2 Named Perils – Homeowners Policy

General Exclusions – Homeowners Policy

Loss Settlement Conditions – Homeowners Policy

Section II – Liability Coverage 6 Topics

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Coverage E – Liability – Homeowners Policy

Coverage F – Medical Payments to Others

“Insured Locations” – Homeowners Policy

Exclusions – Homeowners Policy

Additional Coverages

Limits of Liability – Section II

General Conditions 2 Topics

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General Conditions – Windstorm

General Conditions – Cancellation

Endorsements 2 Topics

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Section I Options to Broaden Coverage

Section II Optional Endorsements

Dwelling Program 19 Topics

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Declarations Page

Dwelling Fire Coverages

Coverage A — Dwelling

Coverage B — Other Structures

Coverage C — Personal Property

Coverage D — Fair Rental Value

Coverage E — Additional Living Expenses

General Exclusions

Basic Form DP-1 — Other Coverages

Perils Insured Against

DP-1 Conditions

Cancellation/Non-Renewal

Broad Form DP-2

Broad Form DP-2 – Other Coverages

Special Form DP-3

Summary of Differences

Dwelling Fire Policy – Options

Flood 11 Topics

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Flood Insurance (continued)

Eligible Community defined

NFIP Emergency Program

NFIP Regular Program

Eligible Buildings

Eligible Contents

Insurance Forms Available

Preferred Risk Policy (PRP)

General Property Form

Residential Condominium Building Association Policy Form (RCBAP)

Valuation of Losses

Personal Liability

Inland Marine Insurance 1 Topic

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Nationwide Definition

Personal Inland Marine Policies 9 Topics

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Personal Articles Floater

Musical Instruments

Golfer’s Equipment

Stamps and Coin Collections

Excess Liability/Umbrellas

2-20 Insurance in Action, Unit Four

2-20 End of Unit Four 1 Assessment

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2-20 Unit Four Quiz – Homeowners & Dwelling Fire

Unit Five - Commercial Auto

2-20 Introduction – Unit Five

Business Auto Policy

Business Auto Coverage Form

Garage Insurance

2-20 End of Unit Five 1 Assessment

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2-20 Unit Five Quiz – Commercial Auto

Unit Six - Commercial Property

2-20 Introduction – Unit Six

Commercial Property Insurance

The Commercial Property Contract

Building and Personal Property Coverage Form

Builders Risk Coverage Form

Business Income Coverage Forms

Extra Expense Coverage Form

Leasehold Interest Coverage Form

Legal Liability Coverage Form

Condominium Coverage Forms

Causes Of Loss Forms – General

Causes Of Loss – Basic Form

Causes of Loss – Broad Form

Causes Of Loss – Special Form

Terrorism Risk Insurance Act (TRIA)

2-20 Insurance in Action, Unit Six

2-20 End of Unit Six 1 Assessment

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2-20 Unit Six Quiz – Commercial Property

Unit Seven - General Liability

2-20 Introduction – Unit Seven

The CGL Contract

Coverage A – Bodily Injury And Property Damage Insuring Agreement

Coverage B – Personal And Advertising Injury

Coverage C – Medical Payments

Supplementary Payments

Limits Of Insurance

Miscellaneous Forms Of General Liability Insurance

Excess Liability/Umbrellas

Professional Liability Insurance

Employment-Related Practices Liability (EPL)

Cyber Liability Insurance

2-20 End of Unit Seven 1 Assessment

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2-20 Unit Seven Quiz – General Liability

Unit Eight - Commercial Package Policies

2-20 Introduction – Unit Eight

Commercial Package Policies

Commercial Package Policy

Businessowners Policy

2-20 Insurance in Action, Unit Eight

2-20 End of Unit Eight 1 Assessment

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2-20 Unit Eight Quiz – Commercial Package Policies

Unit Nine - Workers' Compensation

2-20 Introduction – Unit Nine

Summary Of The Law

Employers And Employees

Penalties For Non-Compliance

Injuries Covered

Compensation (Benefits)

Medical Expenses

Disability Benefits

Miscellaneous Law Provisions

Workers’ Compensation And Employers Liability Insurance Policy

2-20 Insurance in Action, Unit Nine

2-20 End of Unit Nine 1 Assessment

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2-20 Unit Nine Quiz – Workers’ Compensation

Unit Ten - Crime

2-20 Introduction – Unit Ten

Crime And Employee Dishonesty Insurance

Commercial Crime Forms

Primary Insuring Agreements

Additional Insuring Agreements Available By Endorsement

Discovery vs. Loss Sustained Coverage

Other Crime Coverage Provisions

2-20 Insurance in Action, Unit Ten

2-20 End of Unit Ten 1 Assessment

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2-20 Unit Ten Quiz – Crime

Unit Eleven - Surety Bonds

2-20 Introduction – Unit Eleven

Suretyship vs. Insurance

Parties To A Bond

The Bonding Process

Contract Bonds 1 Topic

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Contract Bond Questions

Fiduciary And Court Bonds 1 Topic

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Fiduciary and Court Bond Questions

License And Permit Bonds 1 Topic

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License and Permit Bonds Questions

Miscellaneous Bonds 1 Topic

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Miscellaneous Bonds Questions

2-20 Insurance in Action, Unit Eleven

2-20 End of Unit Eleven 1 Assessment

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2-20 Unit Eleven Quiz – Surety Bonds

Unit Twelve - Marine

2-20 Introduction – Unit Twelve

Inland Marine Insurance

Commercial Inland Marine Policies 5 Topics

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Domestic Shipments

Commercial Inland Marine Policies (continued)

Commercial Property Floater Risks — Equipment Floaters

Commercial Property Floater Risks — Business Floaters

Commercial Property Floater Risks – Dealers Policies

Rating (Inland Marine) 1 Topic

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Inland Marine Questions

Ocean Marine Insurance 2 Topics

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Other Ocean Marine Policy Clauses and Definitions

Ocean Marine Questions

Insurance in Action – Inland Marine

Insurance in Action – Ocean Marine

2-20 End of Unit Twelve 1 Assessment

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2-20 Unit Twelve Quiz – Marine

Unit Thirteen - Aviation

2-20 Introduction – Unit Thirteen

Aircraft Hull Policies

Aircraft Liability Coverages

Admitted Aircraft Liability Coverage

Medical Payments Coverage

Special Aviation Insurance Coverages

Hull and Liability Exclusions

Underwriting Considerations

Aviation Learning Activities

2-20 Insurance in Action, Unit Thirteen

2-20 End of Unit Thirteen 1 Assessment

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2-20 Unit Thirteen Quiz – Aviation

Unit Fourteen - Boiler and Machinery/Equipment Breakdown

2-20 Introduction – Unit Fourteen

Boiler And Machinery Policy

Boiler And Machinery Coverage Form

Objects Definitions Forms

Indirect Loss Coverage Endorsements

Miscellaneous Options

Small Business Forms

2-20 Insurance in Action, Unit Fourteen

2-20 End of Unit Fourteen 1 Assessment

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2-20 Unit Fourteen Quiz – Boiler and Machinery

Unit Fifteen - Health

2-20 Introduction – Unit Fifteen

General Policy Provisions 2 Topics

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Coverage Continuation Provisions

Other General Provisions

Application (Health)

Types of Health Insurance Policies

Hospitalization Expense Insurance

Hospital Indemnity Insurance

Accident Insurance

Surgical Expense Insurance

Physicians Coverage

Major Medical Insurance

Disability Income Insurance

Medicare Supplement Insurance

Health Maintenance Organizations

Preferred Provider Organizations

2-20 Insurance in Action, Unit Fifteen

2-20 End of Unit Fifteen 1 Assessment

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2-20 Unit Fifteen Quiz – Health

Unit Sixteen - Residual Markets

2-20 Introduction – Unit Sixteen

Florida Automobile Joint Underwriting Association (FAJUA)

Citizens Property Insurance Corporation

Florida Workers’ Compensation Joint Underwriting Association (FWCJUA)

2-20 Insurance in Action, Unit Sixteen

2-20 End of Unit Sixteen 1 Assessment

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2-20 Unit Sixteen Quiz – Residual Markets

Unit Seventeen - Florida Statutes and Rules

2-20 Introduction – Unit Seventeen

Unauthorized Insurance Entities 4 Topics

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Union Plans and PEOs

Possible Consequences for Aiding and Abetting an Unauthorized Insurer

Possible Consequences for Acting as an Insurer without a Proper License

Ethics 3 Topics

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Ethics (part 2)

Ethics (part 3)

Ethics (conclusion)

Insurance Discounts for Wind Mitigation 6 Topics

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Roof Shapes – Gable Roof

Roof Coverings and Roof Decking

Roof Deck Attachment

Roof to Wall Connection

Opening Protection

Wind Mitigation Conclusion

Florida Insurance Guaranty Association (FIGA)

Surplus Lines 3 Topics

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Surplus Lines – Why Do They Exist

Surplus Lines – The Market Premise

Eligibility for export – “exportable”

Homeowners Claims Bill Of Rights

Selected Florida Statutes 76 Topics

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Chief Financial Officer

Financial Service Commission

Office of Financial Regulation

Office of Insurance Regulation

Department of Financial Services (DFS)

DFS Agent and Adjuster Licensing

DFS Consumer Services

DFS Insurance Fraud

DFS Receivership

DFS Unclaimed Property

Office of Insurance Regulation (OIR)

OIR General Duties and Powers

OIR Policy Approval Authority

OIR Market Conduct Examinations

OIR Agency Actions and Investigations Unit

Office of Financial Regulation (OFR)

OFR Investigations

Insurance defined

Insurance Transaction defined

Insurer defined

Domestic, Foreign, and Alien Insurers

Authorized and Unauthorized Companies

Admitted and Not-Admitted Companies

Stock and Mutual Insurance Companies

Risk Retention Groups

Certificate of Authority

Unlicensed Entities

Agent and Adjuster Licensing

Purpose of License

Licensing Requirements

Maintaining a License

Continuing Education (CE)

Communicating with the Department

Criminal and Administrative Actions

Agent Responsibilities

Reporting and Accounting for Funds

Commissions and Compensation

Charges for Extra Services

Premium Financing

Reply to DFS and/or Office of Regulation

Unfair Methods of Competition

Misrepresentation

False Advertising

Other Unfair Practices

Unfair Claims Practices

Controlled Business

Dispute Resolution

Select Topics – Catastrophic Ground Collapse & Sinkholes

Select Topics – Hurricane “Occurrence”

Select Topics – Hurricane Deductibles

Select Topics – Fungi

Select Topics – Loss Assessment (HO-6)

Select Topics – Watercraft

Select Topics – Windstorm

Select Topics – Windstorm Exclusion

Select Topics – Payment of Claims: Motor Vehicle Insurance

Select Topics – Payment of Claims: Property Insurance

Select Topics – Loss Payment

Select Topics – Fair Credit Reporting Act

Select Topics – Privacy Protection (Gramm-Leach-Bliley Act)

Select Topics- Terrorism Risk Insurance Act (TRIA)

2-20 Insurance in Action, Unit Seventeen

2-20 End of Unit Seventeen 1 Assessment

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2-20 Unit Seventeen Quiz – Florida Statutes and Rules