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IIC C130 Exam Syllabus Topics:
| Section | Objectives |
|---|---|
| Topic 1: Insurance Intermediaries and Distribution | - Role of agents and brokers - Agency relationships and authority - Distribution systems (direct writer, independent brokerage, etc.) |
| Topic 2: Ethics, Legal Principles, and Professional Standards | - Duty of care and fiduciary responsibility - Ethical conduct and regulatory expectations |
| Topic 3: Client Needs and Risk Assessment | - Identifying client exposures and loss potential - Information gathering and client interviewing |
| Topic 4: Insurance Products and Policy Basics | - Property and liability insurance fundamentals - Policy structure and coverage concepts |
| Topic 5: Insurance Fundamentals and Core Concepts | - Principles of insurance (risk, insurability, contracts) - Types of risk and risk management |
IIC Essential Skills for the Insurance Broker and Agent Sample Questions:
In insurance sales terminology, what is a lead?
- A. A broker who aims to meet their clients' needs with products
- B. An insurer with an underwriting policy that most closely aligns with a broker's requirements
- C. A segment of existing clients who have similar insurance coverage needs
- D. A member of a group of potential clients that fits the profile that has been determined as the marketing target
Correct Answer: D 🗳️
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An insurer issues a special clause on a property policy for a restaurant which denies coverage unless a sprinkler system is installed and active in the kitchen at the time of a fire loss. What type of clause has the insurer issued?
- A. Requirement
- B. Condition
- C. Subscription
- D. Exclusion
Correct Answer: B 🗳️
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Michelle is a new agent who would like to protect herself against possible errors and omissions claims. What should Michelle practice in her interactions with clients and insurers?
- A. Ensure all communication with clients and insurers is done face-to-face
- B. Offer advice to clients if she thinks it is beneficial, even if it is outside her area of expertise
- C. Recommend that clients consult with experts outside the insurance field if a situation calls for it
- D. Use close-ended questions with clients at all times
Correct Answer: C 🗳️
What is an agent's consideration when assessing a potential client and the client's attitude towards risk?
- A. People have the same acceptance of risk.
- B. People's habits are unrelated to their level 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 🗳️
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Miro's vehicle and Stephanie's vehicle collide with each other in New Brunswick. Neither of them has loss or damage coverage, also known as collision coverage. The chart shows the physical damage and assigned fault.
How would the payment be apportioned?
Driver | Physical Damage | Fault Percent
Miro | $4,000 | 50%
Stephanie | $2,000 | 50%
- A. Miro can collect $2,000 from his insurer and $1,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $500 from Miro's insurer. - B. Miro can collect $2,000 from his insurer and $2,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $1,000 from Miro's insurer. - C. Miro can collect $2,000 from his insurer; Stephanie can collect $1,000 from her insurer.
- D. Miro can collect $4,000 from his insurer; Stephanie can collect $2,000 from her insurer. Miro's insurer will subrogate against Stephanie's insurer for $2,000 and Stephanie's insurer will subrogate against Miro's insurer for $1,000.
Correct Answer: C 🗳️
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