Tutorial Group's CFP Exam Review:Insurance Planning

A. Life Insurance Planning – policy owner rights, primary vs. contingent beneficiary, revocable vs. irrevocable beneficiary, entire contract clause, incontestable clause, misstatement of age clause, grace periods, reinstatement clause, suicide clause, settlement options, life income settlement options, loan provisions, life insurance dividends, dividend options, nonforfeiture provisions, disability waiver of premium, accidental death benefit, guaranteed insurability, common disaster clause, spendthrift clause, premium calculations, insurance reserve, participating vs. nonparticipating, term insurance, renewable vs. convertible term, pure vs. modified endowment, whole life, variable life, universal life, first-to-die, second-to-die, split dollar and policy ownership methods, buy-sell agreements, cross purchase buy-sell, entity redemptions, human life approach, needs approach, black-out period, annuity premium payments, annuity benefit accumulation, annuity payout types, taxation of proceeds, taxation of fixed annuities, taxation of variable annuities, taxation of adjusted basis, taxation of withdrawals, inclusion of proceeds in gross estate, incidents of ownership, revocable vs. irrevocable life insurance trusts, funded vs. unfunded irrevocable trusts, crummy power, first-to-die vs. second-to-die, insurance rating companies.


B. Health & Social Security – guaranteed renewal provisions, types of health coverage, hospital reimbursement vs. hospital service contract, surgical reimbursement vs. surgical service contract, major medical, stop loss, health maintenance organizations, preferred provider organizations, COBRA, COBRA qualification, medical savings accounts, taxation of contributions to MSAs, currently vs. fully insured for social security, social security coverage, social security old age benefits, social security survivors benefits, social security disability, reduction or loss of benefits, taxation of social security, medicare part A & B, medicare premiums, medicaid, medigap insurance.


C. Disability & Workers Comp – short-term disability, long-term disability, disability criteria, waiting period, probation period, occupational vs. nonoccupational coverage, disability benefit taxation, worker’s compensation principles, worker’s compensation benefit classification, worker’s compensation benefit taxation, unemployment insurance.


D. Homeowners Insurance – types of coverage, types of property eligibility, replacement cost coverage, actual cash value, types of homeowners insurance policies, components of homeowner’s policies, dwelling coverage, loss formula for coinsurance, other structures coverage, personal property coverage, classes of property exclusions, special item limits, loss of use coverage, personal liability coverage, medical payments to others coverage, insured’s responsibilities after loss, settlement options, event exclusions, HO2 vs. HO3 policies, HO6 policy, assignment of ownership, roof damage, title insurance, inland marine forms, boatowner’s policy.


E. Auto & Liability Insurance – comprehensive personal liability policy, professional liability insurance, umbrella policy, auto insurance, personal auto policy, vehicle requirements, liability coverage, split limits, insured persons, insured vehicles, liability exclusions, medical payments coverage, medical payment exclusions, uninsured motorist coverage, uninsured motorist coverage, physical damage coverage, collision coverage, comprehensive coverage.

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