FYI Express
  • FYI Express: GA 03/23
  • Custom Lead Generator
  • Insurance Expo 365
  • Do It Yourself Marketing
  • How to get Peace of Mind
  • Georgia 24 hours CE On Demand
    • #1: Georgia OCI
    • #2: Modern Family
    • #3: Auto Insurance
    • #4: Home Insurance
    • Promotional Videos
    • #5: Stand Alone Policies
    • #6: RC vs ACV
    • #7: E & O Prevention
    • #8: Small Business Insurance
    • #9: Ethics
    • #10: Life Lessons
    • #11: You Deserve a Break
    • #12: Insurance Fraud
    • #13: Here Comes the Judge
    • #14: Agency Management
    • #15: Customer Service Tips
    • #16: Employee Training
    • #17: Insurance 101
    • #18: Coinsurance Clause
    • #19: C.O.P.E.
    • #20: General Contractors
    • #21: Garage Insurance
    • #22: Trucking Companies
    • #23: Restaurant Insurance
    • #24: Digital Handshakes using Zoom
    • #25: Day Care Centers
  • Georgia 20 Hour Limited Subagent
  • Georgia 20 Hour Personal Lines Agent
  • South Carolina Personal Lines Course
  • Texas Limited Lines Course
  • Training for New Hires: Personal Lines
  • Training for New Hires: Commercial Lines
  • Training for New Agency Owners
  • Is Your Website WCAG Accessible?
  • FYI Express: GA 03/23
  • Custom Lead Generator
  • Insurance Expo 365
  • Do It Yourself Marketing
  • How to get Peace of Mind
  • Georgia 24 hours CE On Demand
    • #1: Georgia OCI
    • #2: Modern Family
    • #3: Auto Insurance
    • #4: Home Insurance
    • Promotional Videos
    • #5: Stand Alone Policies
    • #6: RC vs ACV
    • #7: E & O Prevention
    • #8: Small Business Insurance
    • #9: Ethics
    • #10: Life Lessons
    • #11: You Deserve a Break
    • #12: Insurance Fraud
    • #13: Here Comes the Judge
    • #14: Agency Management
    • #15: Customer Service Tips
    • #16: Employee Training
    • #17: Insurance 101
    • #18: Coinsurance Clause
    • #19: C.O.P.E.
    • #20: General Contractors
    • #21: Garage Insurance
    • #22: Trucking Companies
    • #23: Restaurant Insurance
    • #24: Digital Handshakes using Zoom
    • #25: Day Care Centers
  • Georgia 20 Hour Limited Subagent
  • Georgia 20 Hour Personal Lines Agent
  • South Carolina Personal Lines Course
  • Texas Limited Lines Course
  • Training for New Hires: Personal Lines
  • Training for New Hires: Commercial Lines
  • Training for New Agency Owners
  • Is Your Website WCAG Accessible?
FYI Express
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20 Hour LIMITED SUBAGENT STUDY MANUAL CONTENT
I. TYPES OF PROPERTY POLICIES
 A. Homeowners
 1. HO-2
 2. HO-3
 3. HO-4
 4. HO-5
 5. HO-6
 6. HO-8
 B. Dwelling Policies
 1. DP-1
 2. DP-2
 3. DP-3
 C. Inland marine
 1. Personal Articles floaters
 D. National Flood Insurance Program
 E. Others
 1. Earthquake
 2. Mobile Homes
 3. Watercraft
 4. Windstorm
II. TYPES OF CASUALTY POLICIES
 A. Personal Automobile
 1. Liability
 a. Bodily Injury
 b. Property Damage
 c. Split Limits
 d. Combined Single Limit
 2. Medical Payments
 3. Physical damage (collision; other than collision; specified perils)
 4. Uninsured motorists
 5. Underinsured motorists
 6. Who is an insured
 7. Types of Auto
 a. Owned
 b. Non-owned
 c. Hired
 d. Temporary Substitute
 e. Newly Acquired Autos
 f. Transportation Expense and Rental
 Reimbursement Expense
 8. Exclusions
 B. Umbrella/Excess Liability
III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
A. Insurance
1. Law of Large Numbers
 B. Insurable interest
 C. Risk
 1. Pure vs. Speculative Risk
 D. Hazard
 E. Peril
 F. Loss
 1. Direct
 2. Indirect
 G. Loss Valuation
 1. Actual cash value
 2. Replacement cost
 3. Market value
 4. Stated value
 5. Salvage value
 H. Proximate cause
 I. Deductible
 J. Indemnity
 K. Limits of liability
 L. Coinsurance/Insurance to value
 M. Occurrence
 N. Cancellation
 O. Nonrenewal
 P. Vacancy and unoccupancy
 Q. Liability
 1. Absolute
 2. Strict
 3. Vicarious
 R. Negligence
 S. Binders
 T. Endorsements
 U. Blanket vs. Specific
 V. Burglary, Robbery, Theft, and Mysterious Disappearance
 W. Warranties
 X. Representations
 Y. Concealment
 Z. Deposit/Premium Audit
 AA. Certificate of insurance
 BB. Damages
1. Compensatory
a. General
 b. Special
2. Punitive
CC. Compliance with Provisions of Fair Credit  Reporting Act
IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
 A. Declarations
 B. Insuring agreement
 C. Conditions
 D. Exclusions
 E. Definition of the insured
 F. Duties of the insured after a loss
 G. Obligations of the insurance company
 H. Mortgagee rights
 I. Proof of loss
 J. Notice of claim
 K. Appraisal
 L. Other Insurance Provision
 M. Subrogation
 N. Elements of a contract
 O. Sources of underwriting information
 P. Fair Credit Reporting Act
 Q. Privacy Protection (Gramm Leach Bliley)
 R. Policy Application
 S. Terrorism Risk Insurance Act (TRIA)
 T. Cancellation and Nonrenewal provisions
 U. Supplementary payments
 V. Arbitration
 W. Loss settlement provisions including consent to settle a loss
V. STATE LAWS, RULES, AND REGULATIONS
 A. Georgia laws, rules, and regulations pertinent to property and casualty insurance
 1. Insurance department and commissioner
 a. Broad powers and duties  Ref: 33-2-1 through 33
 b. Examination of records  Ref: 33-2-10 through 13
c. Investigations/Notice of hearing  Ref: 33-6-6
d. Penalties Ref: 33-6-9
 2. General insurance definitions
 a. Domestic, foreign and alien  Ref 33-3-1
 b. Stock and mutual  Ref: 33-14-2
c. Authorized/unauthorized and certificate of authority Ref: 33-3-1 through 30
 d. Insurance transaction / transacting business  Ref: 33-1-2 (6)
3. Licensing of agents, counselors, subagents, and adjusters Ref: 33-23-1 through 46
a. Agent Responsibility
b. Reciprocity agreements
c. License maintenance
d. License revocation or suspension
e. Temporary License
f. Nonresident License
g. Counselor License
4. Unfair trade practices and frauds  Ref: 33-6-4 and 5
 a. Rebating
 b. Defamation
 c. Unfair Discrimination
 d. Misrepresentation
 e. Controlled business
 f. Twisting and Churning
 g. Advertising law
 h. Coercion
 i. Commingling
 j. Fiduciary Responsibility
 k. Sharing Commissions
 l. Additional Fees
 m. Unfair Claims Practices
 5. Miscellaneous Georgia insurance laws  Ref: 33-24-33
 6. Residual Markets
 a. FAIR plan  Ref: 33-33-1 through 11
 b. Georgia Automobile Insurance Plan  Ref: 120-2-14-.01 through .24, 32-29, 40-9-100
 B. Georgia laws, rules, and regulations pertinent to property insurance only
 1. Cancellation and nonrenewal of policies  Ref: 120-2-53-.01 through .06, 33-24-44 through 47
 2. Miscellaneous Georgia insurance laws  Ref: 33-34-4
 C. Georgia laws, rules, and regulations pertinent to casualty insurance only
 1. Cancellation and nonrenewal of policies  Ref: 120-2-53-.01 through .06, 33-24-44 through 47
2. Miscellaneous Georgia insurance laws  Ref: 33-34-4
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Click Lessons below for what you need to know

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How to pass the Final Exam on the first try
  • ​Watch each of the videos on this page until their message is clearly understood
  • Take each of the Online Practice Quizzes on this page
  • When you correctly answer the online quizzes on this page, you're ready for the Final Exam!
Online Practice Quizzes w/ Answers
These quizzes review basic principles that provide a foundation for the insurance industry. They range from the concept of risk, to the idea that individuals and businesses can minimize losses by transferring and sharing risks, to the application of the law of large numbers. Various principles also determine why some risks of loss are insurable whereas others are not.
Property & Casualty Quiz for Beginners

Property & Casualty Basics Quiz
Personal Auto Basics Quiz
Homeowner & Dwelling Basics Quiz
Stand Alone Policy Quiz
Practice Video Quizzes
Insurance Needs of Young Singles
http://www.insureuonline.org/quiz_youngsingles.htm
Insurance Needs of Under 30
http://www.insureuonline.org/quiz_under30.htm
Insurance Needs of Young Families
http://www.insureuonline.org/quiz_youngfamilies.htm
Insurance Needs of Established Families
http://www.insureuonline.org/quiz_establishedfamily.htm
Insurance Needs of Domestic Partners
http://www.insureuonline.org/quiz_domesticpartners.htm
Insurance Needs of Seniors
http://www.insureuonline.org/quiz_seniors.htm
Insurance Needs of Single Parents
http://www.insureuonline.org/quiz_singleparents.htm
Insurance Needs of Grandparents raising Grandchildren
http://www.insureuonline.org/quiz_raisinggrandchildren.htm
Bicycle Insurance Quiz

https://www.youtube.com/watch?v=mTFhWezZ8MA
Water Damage: Test Your Water IQ

https://www.youtube.com/watch?v=41FFSi9Y4r4
Homeowners Insurance Quiz

https://www.youtube.com/watch?v=vYcAVn8YlLE
Auto Insurance Quiz

https://www.youtube.com/watch?v=9CpoK0IqH18
Enjoy these Video Tutorials
Informed Citizen: Auto Insurance
https://www.youtube.com/watch?v=4aX_DGKKD5U
Insurance 101 - Personal Auto Coverages
https://www.youtube.com/watch?v=CBmtFPMUcr0
Auto Coverage: You're in the Driver's Seat
https://www.youtube.com/watch?v=g-Kv4a08aJE
Insurance 101 - Personal Auto Limits
https://www.youtube.com/watch?v=KJnN0yKlRYk
Insurance 101 - UM/UIM Coverages (Personal Auto)
https://www.youtube.com/watch?v=i7OPhDvtKVY
Informed Citizen: Rental Car Insurance
https://www.youtube.com/watch?v=LJ-QKJ0Bq9A
Rental Car Insurance
https://www.youtube.com/watch?v=i1ei7wQqibA
Informed Citizen: What to do in case of an auto accident!
https://www.youtube.com/watch?v=s1yPQ-9VEyQ
​Five Reasons Homeowners Rates Are Rising
https://www.youtube.com/watch?v=IwC6GAHCLG8
Insurance 101 - Water Damage Basics
https://www.youtube.com/watch?v=CKSHKWcyQ1Y
Flood Insurance for your home
https://youtu.be/DQlJSZT0k38
Insurance 101 - Tree Damage
https://www.youtube.com/watch?v=HJsrgo_ViNI
Insurance101 - Deductibles
https://www.youtube.com/watch?v=4UNICnINrNQ
The Big Game: Being a Responsible Party Host
https://www.youtube.com/watch?v=5M46ACqWqPE
Insurance 101 - Insuring Your Valuables
https://www.youtube.com/watch?v=10tjjq8GAjs
Insurance 101 - Boat Insurance Basics
https://www.youtube.com/watch?v=Ko70A-SqRzw
Insurance 101 - Personal Umbrella Policy
https://www.youtube.com/watch?v=FMRfWyorCFE
Informed Citizen: Homeowners Insurance
https://www.youtube.com/watch?v=5UCckK__4tk
Insurance 101 - Homeowners Coverages
https://www.youtube.com/watch?v=bic4qOuIJoI
Informed Citizen: Renters Insurance
https://www.youtube.com/watch?v=f3VvpbYVS-Y
Insurance 101 - Renters Insurance
https://www.youtube.com/watch?v=8y23U2VkYDA
Six Steps To Follow When Filing A Homeowner’s Claim
https://www.youtube.com/watch?v=WdXRe1lGQMk
The i's on Insurance: The Claim Game: Homeowners
https://www.youtube.com/watch?v=ofio3G_5CNU
Understanding Trees and Insurance
https://www.youtube.com/watch?v=tfSSoRtudHs
Homeowner’s Underinsurance
https://www.youtube.com/watch?v=b9FoQE6seoQ
Taking a Home Inventory
https://www.youtube.com/watch?v=HxRriszRShk
Be Smart and Get Renters Insurance
https://www.youtube.com/watch?v=9fyVI8Ys98k
Insuring a Home Business
https://www.youtube.com/watch?v=ToSh9tc4evI
Everything You Need to Know about Getting Your GA Insurance License
Steps to applying for Limited Subagent License
  • Certificate of Limited Subagent Prelicensing Course Completion signed by Eddie
  • Eddie will e-mail it to you as soon as you pay the $79.00 or your agency is confirmed as a member of GIAA
  • Please use it when you apply for your Limited Subagent license by following the instructions at https://oci.georgia.gov/get-insurance-agent-license
    There you can download the following 3 forms
  • GID-103-AL
  • GID-276-EN
  • Finger Printing
  • $120.00 submitted with all of the above.
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​Canton, GA 30115
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