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IIC C130 Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Ethics, Legal Principles, and Professional Standards | - Duty of care and fiduciary responsibility - Ethical conduct and regulatory expectations |
| Insurance Fundamentals and Core Concepts | - Types of risk and risk management - Principles of insurance (risk, insurability, contracts) |
| Insurance Intermediaries and Distribution | - Role of agents and brokers - Distribution systems (direct writer, independent brokerage, etc.) - Agency relationships and authority |
| Client Needs and Risk Assessment | - Information gathering and client interviewing - Identifying client exposures and loss potential |
| Insurance Products and Policy Basics | - Property and liability insurance fundamentals - Policy structure and coverage concepts |
IIC Essential Skills for the Insurance Broker and Agent Sample Questions:
What is an agent's consideration when assessing a potential client and the client's attitude towards risk?
- A. People's habits are unrelated to their level of risk.
- B. People have the same acceptance of risk.
- C. Availability of insurance coverage may be affected by the client's lifestyle.
- D. Clients who lead riskier lives are good sources of profit for insurance brokers.
Correct Answer: C 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
Which type of adjuster processes a large volume of claims that do not require inspecting property damage or visiting the loss location?
- A. Remote adjuster
- B. Service adjuster
- C. Account adjuster
- D. Telephone adjuster
Correct Answer: D 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
Which article is not insured for off-premises coverage unless it is scheduled?
- A. Business computer
- B. Silverware
- C. Firearm
- D. Musical instrument
Correct Answer: A 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
a) Describe the characteristics and exposures of a seasonal dwelling.
b) Describe the characteristics of a mobile home.
Correct Answer:
See the solution in Explanation below:
Explanation:
a) A seasonal dwelling is a property used only for part of the year, such as a cottage, vacation home, cabin, or lakeside property. It is not the insured's main residence and may remain vacant or unoccupied for long periods. Because it is used intermittently, it presents higher insurance exposures than a permanently occupied home. Losses may not be discovered quickly, so fire, water damage, vandalism, theft, windstorm damage, or animal damage can become more severe before anyone notices. Heating, plumbing, and electrical systems may also create increased risk if the dwelling is closed for the season or not properly winterized. Seasonal dwellings may also be in remote areas where fire protection, emergency response, and repair services are limited. Liability exposure can arise from docks, boats, trails, stairs, pools, guests, or trespassers. Insurers therefore pay close attention to occupancy, construction, protection, access, maintenance, distance to fire services, and whether the property is rented to others.
b) A mobile home is a factory-built dwelling designed to be transported to a site and used as a residence. It may be placed on blocks, piers, pads, or a permanent foundation, but its construction and structure differ from a conventional house. Mobile homes are often lighter in construction and may be more exposed to windstorm, fire spread, water damage, impact, and transportation-related damage. Insurance must consider the mobile home itself, attached structures, skirting, decks, awnings, outbuildings, contents, and personal liability.
Because of its design, the insurer will also consider age, anchoring, foundation, location, occupancy, heating system, and maintenance condition.
What type of insurance policy would a life lease holder require?
- A. Mobile home and liability policy
- B. Condominium insurance
- C. Tenants package insurance
- D. Personal liability package
Correct Answer: C 🗳️
Explanation: Only visible for Exam4Free members. You can sign-up / login (it's free).
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