Why be a Limited Subagent with no binding authority when you can be a fully licensed Personal Lines Agent?
Click Lessons below for what you need to know
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. Loss settlement provisions including consent to settle a loss W. Territory 
V. GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES A. Insurance department and commissioner 1. Broad powers and duties: Ref: 33-2-1 through 6, 9 through 32 2. Examination of records: Ref: 33-2-10 through 13 3. Investigations/Notice of hearing: Ref: 33-6-6 4. Penalties: Ref: 33-6-9 B. General insurance definitions 1. Domestic, foreign and alien: Ref: 33-3-1 2. Stock and mutual: Ref: 33-14-2 3. Authorized/unauthorized and certificate of authority: Ref: 33-3-2 through 5; 33-3-13 through 30 4. Insurance transaction / transacting business: Ref: 33-1-2 C. Licensing of agents, counselors, subagents, and adjusters: Ref: 33-23-1 through 46; 120-2-3-.09 and .15 1. Agent Responsibility 2. License maintenance 3. License revocation, suspension, denial, or refuse to renew 4. Temporary License 5. Nonresident License 6. Counselor License 7. Adjuster License 8. Surplus Lines Broker D. Unfair trade practices: Ref: 33-6-4 & 5; 33-9-36; 33-23-1; 33-23-35; 33-24-7 1. Rebating 2. Defamation 3. Unfair Discrimination 4. Misrepresentation 5. Controlled business 6. Advertising 7. Coercion 8. Commingling 9. Fiduciary Responsibility 10.Sharing Commissions 11.Additional Fees 12.Unfair claims practices 13.Fraud |
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You don't need the Commercial portion of the guide shown above but it's a great resource if you plan to get a full P&C license.
VI GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
A. Cancellation and nonrenewal of policies: Ref: 120-2-53-.01 through .06, 33-24-44 through 47
B. Regulation of Rates: Ref: 33-9-1 through 44
C. Binders: Ref: 33-24-33
D. Georgia Insurer Solvency Pool: Ref. 33-36-1 through 12
VII. GEORGIA RULES AND CODES PERTINENT TO PERSONAL LINES ONLY
A. FAIR plan: Ref: 33-33-1 through 8
B. Auto
1. Defensive driving: Ref: 33-9-42
2. Uninsured Motorists coverage: Ref: 33-7-11
3. Financial Responsibility Law: Ref: 40-9-1 through 12; 40-9-80 through 8; 33-34-4
4. Georgia Automobile Insurance Plan/Assigned Risk: Ref: 120-2-14.02 through .09; 40-9-100
A. Cancellation and nonrenewal of policies: Ref: 120-2-53-.01 through .06, 33-24-44 through 47
B. Regulation of Rates: Ref: 33-9-1 through 44
C. Binders: Ref: 33-24-33
D. Georgia Insurer Solvency Pool: Ref. 33-36-1 through 12
VII. GEORGIA RULES AND CODES PERTINENT TO PERSONAL LINES ONLY
A. FAIR plan: Ref: 33-33-1 through 8
B. Auto
1. Defensive driving: Ref: 33-9-42
2. Uninsured Motorists coverage: Ref: 33-7-11
3. Financial Responsibility Law: Ref: 40-9-1 through 12; 40-9-80 through 8; 33-34-4
4. Georgia Automobile Insurance Plan/Assigned Risk: Ref: 120-2-14.02 through .09; 40-9-100
Georgia 20 Hour Personal Lines Agent |
Georgia 20 Hour Personal Lines Agent |
