Tennessee Life and Health Insurance Exam
EXAM COVERAGE
Tennessee Life & Health Insurance Exam
State Insurance Regulations
Tennessee Department of Commerce & Insurance rules
Licensing requirements, appointments, and continuing
education
Agent responsibilities, fiduciary duties, and ethical
conduct
Unfair trade practices and disciplinary actions
,Life Insurance
Policy types: term, whole, universal, variable life
Policy provisions: grace period, reinstatement,
incontestability
Riders: waiver of premium, accidental death, accelerated
benefits
Beneficiaries, ownership, and assignment
Underwriting basics and risk classifications
Health Insurance
Policy types: major medical, HMOs, PPOs, EPOs, short-
term plans
Disability income insurance (short-term & long-term)
Medicare, Medicaid, and state-mandated coverage basics
Policy provisions: renewability, exclusions, waiting periods
,Group vs. individual health plans
Annuities & Retirement Planning
Fixed, variable, indexed, and immediate/deferred annuities
Taxation rules and retirement planning basics
Federal Regulations & Laws
HIPAA privacy and portability rules
ACA (Affordable Care Act) essentials
ERISA basics and COBRA continuation coverage
Ethics & Consumer Protection
Suitability standards
Fraud awareness and reporting
Confidentiality and recordkeeping
, Any change of address must be reported to the
Commissioner within _____ days.
A. 10
B. 21
C. 30
D. 31
A corporation, association , partnership, limited liability
company, limited liability partnership, or other legal entity
is a :
A. Limited lines producer
B. Insurance producer
EXAM COVERAGE
Tennessee Life & Health Insurance Exam
State Insurance Regulations
Tennessee Department of Commerce & Insurance rules
Licensing requirements, appointments, and continuing
education
Agent responsibilities, fiduciary duties, and ethical
conduct
Unfair trade practices and disciplinary actions
,Life Insurance
Policy types: term, whole, universal, variable life
Policy provisions: grace period, reinstatement,
incontestability
Riders: waiver of premium, accidental death, accelerated
benefits
Beneficiaries, ownership, and assignment
Underwriting basics and risk classifications
Health Insurance
Policy types: major medical, HMOs, PPOs, EPOs, short-
term plans
Disability income insurance (short-term & long-term)
Medicare, Medicaid, and state-mandated coverage basics
Policy provisions: renewability, exclusions, waiting periods
,Group vs. individual health plans
Annuities & Retirement Planning
Fixed, variable, indexed, and immediate/deferred annuities
Taxation rules and retirement planning basics
Federal Regulations & Laws
HIPAA privacy and portability rules
ACA (Affordable Care Act) essentials
ERISA basics and COBRA continuation coverage
Ethics & Consumer Protection
Suitability standards
Fraud awareness and reporting
Confidentiality and recordkeeping
, Any change of address must be reported to the
Commissioner within _____ days.
A. 10
B. 21
C. 30
D. 31
A corporation, association , partnership, limited liability
company, limited liability partnership, or other legal entity
is a :
A. Limited lines producer
B. Insurance producer
