State Washington Regulations Chapter 284-17 WAC Licensing requirements and procedures Last Update: 5/30/06 DISPOSITIONS OF SECTIONS FORMERLY CODIFIED IN THIS CHAPTER 284-17-010 Application. [Order R-68-12, § 284-17-010, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-020 Definitions. [Order R-68-12, § 284-17-020, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-030 Prohibited actions. [Order R-68-12, § 284-17-030, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-040 Filings required. [Order R-68-12, § 284-17-040, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-045 Review not approval. [Order R-68-12, § 284-17-045, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-050 Filing precondition to solicitation. [Order R-68-12, § 284-17-050, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-060 Exclusions. [Order R-68-12, § 284-17-060, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-070 Examination powers not diminished. [Order R-68-12, § 284-17-070, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-080 Enforcement. [Order R-68-12, § 284-17-080, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-090 Severability. [Order R-68-12, § 284-17-090, filed 1/13/69.] Repealed by Order R77-4, filed 6/17/77. 284-17-100 Agent, solicitor or adjuster examination scheduling and fees. [Statutory Authority: RCW 48.02.060. 80-01-011 (Order R 79-6), § 284-17-100, filed 12/12/79.] Repealed by 82-10-016 (Order R 82-2), filed 4/28/82. Statutory Authority: RCW 48.02.060. 284-17-110 Reexamination after failure to pass examination. [Statutory Authority: RCW 48.02.060. 80-01-011 (Order R 79-6), § 284-17-110, filed 12/12/79.] Repealed by 82-10-016 (Order R 82-2), filed 4/28/82. Statutory Authority: RCW 48.02.060. 284-17-135 Reexamination after failure to pass. [Statutory Authority: RCW 48.02.060. 88-23-063 (Order R 88-11), § 284-17-135, filed 11/16/88.] Repealed by 98-06-022 (Matter No. R 97-7), filed 2/23/98, effective 3/26/98. Statutory Authority: RCW 48.02.060 and 48.17.130. 284-17-235 Exception to the advanced approval requirement. [Statutory Authority: RCW 48.02.060. 88-01-074 (Order R 87-12), § 284-17-235, filed 12/18/87, effective 3/1/88.] Repealed by 05-07-091 (Matter No. R 2004-04), filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 284-17-275 Courses not approved. [Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-275, filed 9/15/89, effective 10/16/89; 88-01-074 (Order R 87-12), § 284-17-275, filed 12/18/87, effective 3/1/88.] Repealed by 05-07-091 (Matter No. R 2004-04), filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 284-17-300 Continuing education advisory committee. [Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-300, filed 3/20/80.] Repealed by 98-09-041 (Matter R 98-01), filed 4/14/98, effective 5/15/98. Statutory Authority: RCW 48.02.060, 48.17.150, 48.44.040, 48.46.200 and 48.44.050. 284-17-400 Renewal dates for agents, brokers, solicitors and adjusters. [Statutory Authority: RCW 48.01.030, 48.02.060(3),48.14.010 , 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-400, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 84-19-022 (Order R 84-3), § 284-17-400, filed 9/12/84. Statutory Authority: RCW 48.02.060 and 1979 ex.s. c 269 § 10. 80-04-041 (Order R 80-4), § 284-17-400, filed 3/20/80.] Repealed by 06-12-025 (Matter No. R 2005-06), filed 5/30/06, effective 6/30/06. Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 284-17-410 Appointment renewal and termination procedures for insurance agents. [Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-410, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 84-19-022 (Order R 84-3), § 284-17-410, filed 9/12/84. Statutory Authority: RCW 48.02.060 and 1979 ex.s. c 269 § 10. 80-04-041 (Order R 80-4), § 284-17-410, filed 3/20/80.] Repealed by 06-12-025 (Matter No. R 2005-06), filed 5/30/06, effective 6/30/06. Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 284-17-420 Appointment, affiliation and renewal procedures for licensed persons empowered to exercise the authority conferred to a corporate or firm licensee. [Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2),48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-420, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 84-19-022 (Order R 84-3), § 284-17-420, filed 9/12/84. Statutory Authority: RCW 48.02.060 and 1979 ex.s. c 269 § 10. 80-04-041 (Order R 80-4), § 284-17-420, filed 3/20/80.] Repealed by 06-12-025 (Matter No. R 2005-06), filed 5/30/06, effective 6/30/06. Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 284-17-570 Implementation dates. [Statutory Authority: RCW 48.02.060. 89-14-045 (Order R 89-8), § 284-17-570, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-570, filed 12/16/88.] Repealed by 98-11-088 (Matter No. R 98-5), filed 5/20/98, effective 6/20/98. Statutory Authority: RCW 48.02.060. -------------------------------------------------------------------------------- 284-17-120 Examination procedures for agents, solicitors and adjusters. (1) The commissioner has contracted with an independent testing service for the administration of agents', solicitors', and adjusters' examinations. On and after June 1, 1982, any person desiring to take an examination for the type of license shown in subsection (2) of this section will be required to submit a registration form and the appropriate examination fee to the independent testing service. Such fee is not refundable. Registration forms and information about examinations may be obtained from the office of insurance commissioner or from the independent testing service. (2) At least twice each month at predetermined locations, the independent testing service will conduct the examinations required for the following types of licenses: TYPE OF LICENSE EXAMINATION(S) REQUIRED Life insurance agent or solicitor . . . . . . . . . . . . Life Disability insurance agent or solicitor . . . . . . . . . . . . Disability Life and disability agent or solicitor . . . . . . . . . . . . Life, disability Property/casualty agent or solicitor . . . . . . . . . . . . Property, casualty Property/casualty and disability agent or solicitor . . . . . . . . . . . . Property, casualty, disability Life/disability/ property/casualty agent or solicitor . . . . . . . . . . . . Life, disability, property, casualty Vehicle only agent or solicitor . . . . . . . . . . . . Vehicle Surety only agent or solicitor . . . . . . . . . . . . Surety Credit life and disability agent or solicitor . . . . . . . . . . . . Credit life and disability Independent adjuster . . . . . . . . . . . . Adjuster Public adjuster . . . . . . . . . . . . Adjuster Life and disability broker . . . . . . . . . . . . Life and disability Property/casualty broker . . . . . . . . . . . . Property and casualty (Disability questions are included) (3) If an applicant fails to take a scheduled examination, a new registration form and appropriate fees must be submitted for any later examination, unless a serious emergency prevented attendance. (4) Tests will be graded by the independent testing service which will provide each applicant with a score report, following examination. If the examination is passed, the score report must be forwarded to the insurance commissioner with a completed insurance license application, two finger print cards, appointment form(s) for each insurer represented, the appropriate license, appointment and filing fees. [Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010,48.17.150 (2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-120, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 88-24-054 (Order R 88-13), § 284-17-120, filed 12/7/88; 84-19-022 (Order R 84-3), § 284-17-120, filed 9/12/84; 82-10-016 (Order R 82-2), § 284-17-120, filed 4/28/82.] -------------------------------------------------------------------------------- 284-17-121 Qualifications of agents of insurers authorized to transact more than one line of insurance — Exceptions. (1) Except as provided in subsection (2) of this section, applicants for agents' licenses must take and pass a qualifying examination for all those lines of insurance which the appointing insurer is authorized to transact in the state of Washington. (2) Insurers authorized to write lines of insurance in addition to vehicle insurance or surety insurance may appoint agents to write vehicle insurance or surety insurance only, and such appointees may take a qualifying examination for vehicle insurance or surety insurance only: Provided, however, That the appointing insurers shall file with this office a written statement in which they agree to accept from such appointees only vehicle or surety insurance, as the case may be, until such time as these appointees have qualified to write additional lines of insurance and the insurers have verified such qualification. (3) Insurers making appointments limited to vehicle insurance or surety insurance only must indicate such limitation clearly on each appointment form. In the event persons holding a license for vehicle or surety insurance only subsequently qualify for the additional lines of insurance authorized to be written by their appointing insurers, these insurers must file a new appointment form for each such agent and pay the regular appointment fee for each. (4) This section does not apply to or affect the "limited licenses" permitted by RCW 48.17.190. [Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010,48.17.150 (2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-121, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 90-04-060 (Order R 90-1), § 284-17-121, filed 2/2/90, effective 3/5/90.] -------------------------------------------------------------------------------- 284-17-122 Nonresident agent, broker, or adjuster's licenses. (1) Applicants who are not residents of Washington may be licensed as nonresident agents or brokers if: (a) The applicant has and maintains a similar license in the state of residence for the lines of insurance defined in Washington's insurance statutes; and (b) The state of residence reciprocates and licenses Washington's agents and brokers as nonresident agents or brokers. (2) Applicants who are not residents of Washington may be licensed as nonresident adjusters if: (a) The applicant has and maintains an adjuster's license in the state of residence; and (b) The state of residence reciprocates and licenses Washington's adjusters as nonresident adjusters. If an applicant's state of residence does not issue an adjuster's license, the applicant must pass this state's written adjuster's examination. (3) All applicants for a nonresident license must provide written certification from the insurance department of their state of residence indicating: (a) All currently active license(s) held by an applicant; (b) The lines of insurance for which the agent or broker has qualified to sell; and (c) All disciplinary actions taken against the applicant. [Statutory Authority: RCW 48.02.060. 90-04-060 (Order R 90-1), § 284-17-122, filed 2/2/90, effective 3/5/90.] -------------------------------------------------------------------------------- 284-17-123 Adjuster's licenses. (1) Applicants for a resident adjuster's license may satisfy the experience or special training requirements of RCW 48.17.380(4) by employment as a "trainee" for a period of not less than six months. (2) Each "trainee" shall be under the supervision of a resident licensed adjuster. "Trainees" shall receive training in all adjustment activities and responsibilities. Activities of the "trainee" shall be restricted to participation in factual investigation and tentative closing of losses. All adjusting transactions shall be in the name of the supervising licensed adjuster who shall review, confirm, and be responsible for all acts of the "trainee." Compensation of a "trainee" shall be on a salary basis only. (3) Anyone employing trainees shall immediately advise the insurance commissioner by letter of such employment, giving the exact date of employment of each "trainee." The employer shall enclose an application completed by each "trainee." (4) Trainees shall be eligible to take the adjuster's examination required by the insurance commissioner after completing six months in "trainee" status. (5) No person shall be a "trainee" as defined herein for more than one nine-month period. A violation of this requirement or any provision of the insurance code shall subject both the trainee and their supervisory adjuster to penalties of the code. [Statutory Authority: RCW 48.02.060. 90-04-060 (Order R 90-1), § 284-17-123, filed 2/2/90, effective 3/5/90.] -------------------------------------------------------------------------------- 284-17-125 Prohibited acts or practices by license examinees. The following are prohibited acts or practices: (1) Conduct that compromises the security of insurance license examination materials, including but not limited to: (a) Unauthorized appropriation of examination questions or materials; or (b) Unauthorized reproduction or replication of any portion of an examination; or (c) Aiding, by any means, the unauthorized reproduction or replication of an examination; or (d) Providing examination questions or other examination information to any person or business engaged in preparing applicants to pass such examination; or (e) Obtaining examination questions or materials for the purpose of furnishing the questions or materials to license applicants; or (f) Unauthorized sale, distribution, purchase or possession of any portion of a previously administered, current, or prospective examination; or (g) Taking or attempting to take an examination in the line of insurance for which the examinee is already qualified. (2) Behavior that undermines the evaluative objective of the examination, including but not limited to: (a) Communication with any other examinee during the examination period; or (b) Copying answers or allowing another to copy answers; (c) Possession of any books, materials, notes, or photography or recording devices not issued by the independent testing service representative; (d) Impersonating, or engaging another to impersonate, any applicant for the purpose of completing the examination on behalf of another. [Statutory Authority: RCW 48.02.060. 88-23-063 (Order R 88-11), § 284-17-125, filed 11/16/88.] -------------------------------------------------------------------------------- 284-17-130 Prerequisites to admittance to examination. As a prerequisite to admittance to any examination designed to test the examinee's qualifications to be an agent, broker, solicitor or adjuster, each applicant must certify on the form provided, that he or she: (1) Is not taking the examination for purposes other than as the means to qualify for a license; (2) Has not passed the examination for that line of insurance, within the previous two-year period; (3) Has been advised that the performance of any of the acts proscribed by WAC 284-17-125 constitutes a violation of RCW 48.17.530 and 48.17.560, as well as other statutes and regulations, and subjects the offender to disciplinary action, including refusal to issue an insurance license to the offender, revocation of any insurance license held by the offender, and the imposition of a fine; and (4) Has been advised that the unauthorized appropriation or conversion of questions or materials comprising the examination for a Washington state insurance agent's, broker's, adjuster's, or solicitor's license is a violation of federal copyright law. [Statutory Authority: RCW 48.02.060. 88-23-063 (Order R 88-11), § 284-17-130, filed 11/16/88.] -------------------------------------------------------------------------------- 284-17-175 Education referrals. It shall be unlawful for any person to accept any rebate, refund, fee, commission, or discount in connection with referrals of students to an insurance education prelicense or continuing education provider, without making full disclosure to each student so referred. [Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-175, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-200 What is the purpose of the continuing education regulation? The purpose of WAC 284-17-200 through284-17-320 is to implement the provisions of RCW 48.17.150. This regulation establishes the minimum continuing education requirements that must be met prior to the renewal of an insurance agent, solicitor or broker license, and specifies minimum criteria that must be met in order to qualify insurance courses for approval. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-200, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-200, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-200, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-210 What definitions are important throughout this chapter? As used in this continuing education regulation, unless the context requires otherwise: (1) "Approved course" means an educational insurance related program including correspondence courses and seminars that have been approved by OIC. (2) "Credit hours" means the value assigned to a course by the OIC. (3) "Certificate of completion" means a document signed by the course instructor or other responsible officer of the provider signifying satisfactory completion of the course and reflecting credit hours earned. The certificate shall be in standard format, completed in its entirety, and containing such identifying information as is prescribed by the OIC. (4) "Course number" means the identifying number assigned by OIC for an approved course. (5) "Course outline" includes summary content and the time allotted by topic. (6) "Days" means calendar days including Saturday and Sunday. (7) "Designation course" includes professional studies taken to achieve nationally recognized professional distinctions. (8) "Instructor" means an individual knowledgeable in topic(s) of discussion. (9) "Licensee" means an individual licensed under Title 48 RCW, as a resident insurance agent, solicitor or broker to sell life, disability, property, casualty or vehicle insurance. An individual holding a limited license to sell credit life and disability insurance, or travel insurance, or holding a license to sell surety insurance, need not satisfy the continuing education requirement. (10) "Long-term care (LTC) special education" means education required by individual resident and nonresident agents and brokers prior to transacting long-term care insurance. (11) "Long-term care (LTC) special education refresher course" means a condensed version of the LTC special education course. (12) "Monitor" is an individual responsible for verifying class attendance and course content completion. (13) "Override commission" means compensation received for the sale of insurance by a licensee who is not directly involved with a consumer. (14) "OIC" means the Washington state office of insurance commissioner. (15) "Provider" means any insurer, health care service contractor, health maintenance organization, professional association, educational institution created by Washington statutes, or vocational school or independent contractor to which the OIC has granted authority to conduct and certify completion of a course satisfying the insurance education requirements of resident individual agents and brokers. (16) "Provider number" is the identifying number assigned by OIC to an approved provider of insurance education. (17) "Refresher LTC special education" means a condensed version of the LTC special education course. (18) "Reinstatement" means the reissuance of a license that has expired more than sixty days but less than two years from the expiration date of the previous license. (19) "Request for approval" is a submission of information required for approval of a provider and course. (20) "Resident" means a licensee who resides in Washington state. (21) "Roster" is a course attendance record or course purchase and completion record maintained by the provider. (22) "Schedule" means written notification of when a course will be offered. (23) "Self-study" means a method of study independent of a classroom setting. (24) "Surety" insurance includes credit insurance, bail bonds, fidelity, insurance contract performance guarantees, bonds, guarantee undertakings, and contracts of suretyship, and indemnification of banks, bankers, brokers, financial or moneyed corporations or associations against certain losses enumerated in RCW 48.11.080(5). (25) "Transacting" means solicitation, negotiations preliminary to execution, execution of an insurance contract, transaction of matters subsequent to execution of the contract and arising out of it and insuring. (26) "Vehicle insurance" includes insurance against loss or damage to any land vehicle or aircraft or any draft or riding animal or to property while contained therein or thereon or being loaded or unloaded therefrom, and against any liability resulting from or incident to ownership. (27) "Waiver" means an OIC approved exemption from the continuing education requirement. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-210, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-210, filed 9/15/89, effective 10/16/89; 82-10-016 (Order R 82-2), § 284-17-210, filed 4/28/82. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-210, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-220 Who is required to meet continuing education (CE) requirements? All individual resident agents, brokers and solicitors licensed to sell life, disability, property and casualty lines of insurance must meet the continuing education requirement. Individual agents and solicitors licensed to sell vehicle insurance must meet the continuing education requirement beginning with January 1, 2007, renewals. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-220, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060 and 48.17.150. 98-11-090 (Matter No. R 98-9), § 284-17-220, filed 5/20/98, effective 6/20/98. Statutory Authority: RCW 48.02.060, 48.17.150 and 48.85.030. 97-19-007, § 284-17-220, filed 9/4/97, effective 10/5/97. Statutory Authority: RCW 48.02.060, 48.17.150, 48.20.450, 48.85.030 and 48.85.040. 96-17-029 (Matter No. R 95-16), § 284-17-220, filed 8/13/96, effective 9/13/96. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010,48.17.150 (2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-220, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-220, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.02.060 and 48.17.150. 81-18-049 (Order R 81-5), § 284-17-220, filed 8/31/81. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-220, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-222 Who is exempt from the continuing education requirements? All individual resident agents licensed under chapter 48.17 RCW to sell credit life and disability, credit casualty, travel, and surety lines of insurance are exempt from the continuing education requirement. Resident adjusters are exempt from the continuing education requirement. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-222, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-224 How many continuing education credits do I need? Currently you are required to complete thirty-two hours of approved continuing education for each license renewal cycle. Effective January 1, 2006, you will be required to complete twenty-four hours of approved continuing education, including three hours of ethics education. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-224, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-226 What is required as proof of completion of a course? The course provider will issue you a certificate of completion within fifteen days of completion of the course. For designation courses the passing grade report will be accepted in lieu of a certificate of completion. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-226, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-228 What is required for a self-study course? The completion date for a self-study course must be reasonable in relation to the purchase date to allow for adequate time for course completion. For example, if a course is approved for twenty-four hours of continuing education credit, there must be at least three days difference between the course purchase and the completion dates. This information will be verified on the continuing education certificate issued for the course completion. It is assumed that no more than eight course hours can be completed in a single twenty-four hour period. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-228, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-230 May I take any approved continuing education course? Yes, the only required subject is three hours of ethics per renewal period. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-230, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-230, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-230, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-232 When must I meet the continuing education requirement? If you are a resident individual licensee with the lines of authority of life, disability, property, casualty or vehicle, you must complete the continuing education requirement as a prerequisite to renewing your license(s). Courses must be completed within the twenty-four months prior to the month of the renewal or reinstatement. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-232, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-234 What happens if I am late renewing my license? If your renewal is late, you cannot act under the license until your renewal is processed. Late fees are as follows: Days late Surcharge 1 - 30 50% of fee 31 - 60 100% of fee After sixty days from your expiration date, your license and all associated appointments and affiliations are terminated. If your request and fee for license renewal is not received by the expiration date, your authority conferred by the license ends on the expiration date. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-234, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-236 What happens if my renewal is received prior to expiration but is incomplete due to the submission of an invalid course(s), an incorrect fee or noncompletion of the renewal notice? If your request and fee for license renewal is not received by the expiration date, your authority conferred by the license ends on the expiration date. If your request and fee for license renewal is received by the expiration date, you may continue to act under your license until the issuance of the renewed license or until the expiration of fifteen calendar days after you were notified that your request for renewal has been refused. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-236, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-238 What happens if I do not meet the continuing education requirement? If the continuing education requirement is not met, your license expires and is no longer valid. All appointments and affiliations will be canceled. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-238, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-240 Can I reinstate my license? (1) Yes, you may reinstate your license without retesting if no more than two years has passed since your license expired or was canceled. To reinstate you must submit the following: (a) An application (INS-14) or your last renewal notice; (b) Continuing education certificates for twenty-four hours of continuing education; (c) Either an appointment or affiliation (INS-18); and (d) The appropriate fee. (2) After two years, you will have to take prelicensing education, and a license exam and submit a new application complete with a fingerprint card and the requisite fees. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-240, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7, 10. 80-04-042 (Order R 80-3), § 284-17-240, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-242 How long do I have to keep the course completion certificates? You must keep the original certificates for at least three years. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-242, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-244 How do I request individual approval for my attendance of an insurance related course that is not already approved? You may attend and request credit for completion of an insurance related course organized and conducted by an entity that is not already approved as a provider. The OIC will make an informed determination as to the educational value of the course. You must submit the following: (1) Proof of attendance by signature of the instructor(s) or person in charge verifying licensee's attendance; (2) Sufficient supporting materials regarding course content; and (3) Credit hours sought. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-244, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-246 Can I get continuing education credit for attending an insurance related college course? Yes, continuing education credits are granted for college level courses on approved subjects by submitting a transcript showing completion of the course. Hours are determined as follows: (1) Twelve hours will be assigned for each college quarter credit hour. (2) Sixteen hours will be assigned for each college semester credit hour. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-246, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-248 How long are my certificates of completion valid? Certificates of completion are valid for twenty-four months from the course completion date. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-248, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-250 Can I repeat a continuing education course? Yes, you can repeat a course with the same course number after three years from the previous completion date. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-250, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-250, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-250, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.02.060 and 48.17.150. 81-18-049 (Order R 81-5), § 284-17-250, filed 8/31/81. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-250, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-252 If I have excess hours (hours that exceed the minimum required for license renewal), can I carry them over to my next license renewal? No, excess hours cannot be carried over to the next license renewal. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-252, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-254 How can I be granted a waiver of the continuing education requirements? If you believe good cause exists, you may request a waiver of the continuing education requirement. Requests must be in writing at time of renewal of your license and specify in detail the reason why you believe a waiver is merited. (1) Retirement waiver. If your request for a waiver is based upon your retirement, your request must be accompanied by a statement attesting that: (a) You are least sixty-five years of age; (b) You are retired from selling insurance products; and (c) You no longer represent any insurer either directly or through an affiliation with a business entity. (2) Medical waiver. If your request for a waiver is based upon a medical condition, your request must be accompanied by a physician's statement of your illness or injury. (3) Military waiver. If your request for a waiver is based upon activation to military service, your request must be accompanied by a copy of the "Letter of Mobilization" and your representative's (the individual given power-of-attorney by the licensee) name and address so that your license renewal notice can be sent to your representative. Your representative must sign the renewal. The renewal and fees must be returned to the OIC. The OIC may waive the continuing education requirement for renewal of your license for the duration of active military service. A waiver is only valid up to two years from the licensee's regular license renewal date. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-254, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-256 If I instruct a class, how many approved credits will I receive? You will receive twice the amount of approved credits if you instruct the entire course. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-256, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-258 What is the long-term care (LTC) special education requirement? Resident and nonresident agents engaged in the transaction of LTC insurance or long-term care partnership (LTCP) insurance are required to take an approved six-hour course on LTC or LTCP before soliciting, selling, or otherwise transacting these types of insurance business as to such products with consumers. The four-hour refresher LTC special education course must be taken every two-year renewal period subsequent to the initial six-hour course. The OIC prescribes the content of the course. Each course must be approved by the OIC in advance. This requirement does not apply to licensees receiving override commissions on LTC transactions if the licensee has had no contact with the consumer. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-258, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-260 Who is required to complete the LTC special education requirement? Both resident and nonresident agents who transact LTC business must complete the six-hour LTC special education course and must complete the four-hour refresher course per renewal period. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-260, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-260, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-260, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-260, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-262 Who must certify completion of the LTC special education and when is the certification due? Each insurer that has approved LTC policies must certify yearly that all agents have completed the LTC special education prior to selling the LTC product. This certification is to be delivered to the OIC yearly on or before March 31st. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-262, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-264 May I use the LTC special education course for continuing education? If you are a resident agent and you take an LTC special education course that has also been approved for continuing education, you may use the hours toward your required twenty-four hours. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-264, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-270 How do I become a provider? To become a continuing education provider, you must meet the standard as required in RCW 48.17.563(1) and complete the provider application (form CEPROVIDER), available on the OIC web site or upon request from the OIC. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-270, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-270, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.02.060 and 48.17.150. 81-18-049 (Order R 81-5), § 284-17-270, filed 8/31/81. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-270, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-272 What are the responsibilities of an approved provider? An approved provider is responsible for: (1) Providing the OIC with the name of a contact person who is the responsible person for the provider; (2) Hiring and supervising instructors who are trustworthy, competent, and knowledgeable; (3) Providing adequate supervision over instructors; (4) Notifying, in a format as required by OIC, the OIC with a course schedule at least ten calendar days prior to the course date; (5) Identifying a monitor, an individual who is responsible for verification of class attendance and course content completion; (6) Maintaining a roster, consisting of a sign-in/sign-out register for lecture courses; (7) Maintaining a purchase and completion roster for self-study courses; (8) Filing the roster in a format as required by OIC, within ten days; (9) Issuing course completion certificates within fifteen days of completion of course; (10) Maintaining records for a period of three years from completion date of the course. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-272, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-274 Is there a fee to become an approved provider or for course approval? No fee is required to become a provider or for the approval of a course. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-274, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-276 Will I be issued a provider number? Yes. You will be given a provider number that must be included on all certificates of completion. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-276, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-278 How do I get a course approved? You must submit a request for approval to the OIC prior to offering the course. This request must include the following: (1) Lecture (classroom); (a) Completed course approval request form; (b) Content outline which includes topics and time; (c) Biography or resume of instructor; (d) Date(s) that course is to be offered. (2) Self-study; (a) Completed course approval request form; (b) Study material; (c) Sample exams. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-278, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-280 What courses are eligible for approval? (1) Courses eligible for approval to satisfy the continuing education requirement are: (a) Courses demonstrating a direct and specific application to insurance; and (b) Courses presenting information relevant to insurance related statutory and regulatory requirements. (2) General education, sales, motivation, management, leadership, automation, and prelicense training courses are not eligible for approval, unless the provider can demonstrate that a substantial portion of the course relates to the business of insurance and is not solely focused on an individual insurer's product. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-280, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-280, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-280, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-282 Will I be issued a course number? Yes, you will be issued a course number at the time of approval of the course. This number must be included on all certificates of completion for that course. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-282, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-284 What courses are specifically approved? (Designation courses.) (1) The following courses are approved for the maximum number of hours required per renewal period: (a) Any part of the American College Life Underwriting Training Council (LUTC) designation program. (b) Any part of the American College Chartered Life Underwriter (CLU) designation program and advanced study programs. (c) Any part of the Insurance Institute of America's program of insurance. (d) Any part of the American Institute for Chartered Property Casualty Underwriter (CPCU) designation program. (e) Any part of the Certified Insurance Counselor (CIC) program. (f) Any part of the Health Insurance Association of America (HIAA) designation program. (g) Any part of the Certified Employee Benefit Specialist (CEBS) designation program. (h) Any part of the Life Office Management Association (FLMI) designation program. Changes in the above identified courses are presumed to be approved by the OIC unless the sponsoring organization is advised of disapproval. (2) The OIC may approve additional designation courses of similar substance. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-284, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-286 How are credit hours assigned to a course? The number of credit hours assigned to a course will normally be based upon the number of classroom hours or their equivalent for self-study correspondence courses. However, the number of credit hours assigned may be less than the total amount of time spent by the licensee in the course, based upon an evaluation of the course content. No course will be approved for less than one hour of continuing education credit. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-286, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-288 What attendance records must the provider maintain? The provider of a course must maintain an attendance record. This would consist of a sign-in/sign-out register for lecture courses and purchase and completion records for self-study courses. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-288, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-290 How long must the provider maintain the attendance or purchase and completion records? The provider must retain such registers, or any other evidence of satisfactory completion, for a period of three years from the date of course completion. The records may be retained in an electronic format. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-290, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-290, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-290, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-290, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-292 What must be included on a certificate of completion? The certificate of completion must be in the form specified by OIC and include the following: (1) Name of student; (2) Course title and number; (3) Date of purchase of course, if applicable; (4) Date of completion; (5) Number of credit hours; (6) Provider name and number; (7) Signature of instructor or monitor and date; and (8) Certification of completion by student. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-292, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-294 Do I have to renew my approval as a provider? No. Your approval as a provider does not need to be renewed as long as you have received approval for a course within the last four years. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-294, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-296 Do I have to renew an approval of a course? Yes, a course must be renewed every two years. A renewal notice will be sent by the OIC and must be completed and returned with a copy of the current course material for a correspondence course or outline for a lecture course. If substantial changes have been made in the course curriculum, it should be submitted as a new course. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-296, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-298 Must I submit an electronic attendance roster? Yes, the provider will be required to submit the attendance roster in a format as determined by OIC. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-298, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-301 Does the commissioner have the authority to levy a fine against a CE provider or revoke or suspend a CE provider's approval? After hearing or upon stipulation by the CE provider, and in addition to or in lieu of the suspension, revocation, or refusal to renew any such CE provider approval, the commissioner may levy a fine upon the CE provider. (1) For each offense the fine shall be an amount not more than one thousand dollars. (2) The order levying such fine shall specify that the fine must be fully paid not less than fifteen nor more than thirty days from the date of the order. (3) Upon failure to pay any such fine when due, the commissioner shall revoke the approval of the CE provider, if not already revoked. The fine may be recovered in a civil action brought on behalf of the commissioner by the attorney general. Any fine so collected will be paid by the commissioner to the state treasurer for the account of the general fund. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-301, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-302 What actions by a provider could result in a fine? The following actions may result in a fine: (1) Advertising or offering a course without prior approval; (2) Not following the approved course outline; (3) Issuing fraudulent completion certificates; and (4) Recruitment within an advertisement or during the hours of a course presentation. (5) The provider has failed to comply with or has violated any statute or regulation pertaining to insurance continuing education providers. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-302, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-304 Can the approval of a provider be suspended or revoked? (1) Yes, the approval may be suspended or revoked if: (a) The provider or its employees involved in insurance education have violated any of the provisions of Title 48 RCW or Title 284 WAC; or (b) The OIC finds under these titles that disciplinary action against any provider is appropriate; the OIC may exercise the discretion to suspend or revoke the provider approval and all of its courses. (2) Reinstatement of a suspended or revoked approval shall be at the discretion of the OIC after receipt of satisfactory proof that the conditions responsible for the suspension have been corrected. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-304, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-306 Can an approval of a course be suspended or revoked? (1) Yes, the approval of a course may be suspended or revoked if the OIC determines that: (a) The content of an approved course was significantly changed without notice to and approval from, the OIC; (b) A certificate of completion was issued to any individual who did not complete the course; (c) A certificate of completion was not issued to any individual who satisfactorily completed the course; (d) The actual instruction of the course is determined by the commissioner to be inadequate; or (e) The provider failed to comply with the OIC's request for submissions of updated descriptions of any course offerings; or records, course materials, or audit information were not provided within fifteen days of the OIC's request. (2) Reinstatement of a suspended or revoked approval is at the discretion of the OIC. The OIC must receive satisfactory proof that the conditions responsible for the suspension have been corrected. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-306, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-308 May I advertise a course prior to approval? No, a course should not be advertised prior to approval. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-308, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-310 What must a course advertisement include? A course advertisement must include: (1) The provider name; (2) The course title; (3) A brief description of the course; (4) The number of credit hours applied for or approved; (5) The location; (6) The date and time; and (7) The cost of the course. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-310, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-310, filed 9/15/89, effective 10/16/89; 82-10-016 (Order R 82-2), § 284-17-310, filed 4/28/82. Statutory Authority: RCW 48.02.060 and 48.17.150. 81-18-049 (Order R 81-5), § 284-17-310, filed 8/31/81. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-310, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-312 Does Washington participate in the NAIC Uniform Continuing Education Reciprocity Agreement? (1) Yes, Washington has entered into an agreement with states participating in the NAIC Uniform Continuing Education Reciprocity Agreement. With just a few state specific exceptions, a course approved by a participating state will be accepted by other participating states by submitting NAIC Uniform Continuing Education Reciprocity Course Filing Form and any required attachments. (2) Participating states have agreed they will not review another state's CE credit hours. Instructor qualifications will also not be reviewed. A standard course filing form will be used for reciprocity filings. (3) The agreement does not change any of a provider's current duties under Washington law. A provider must still be independently qualified as an approved provider in a participating state. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-312, filed 3/17/05, effective 4/17/05.] -------------------------------------------------------------------------------- 284-17-320 What are the qualifications of an instructor? An instructor must be trustworthy, competent and knowledgeable in the subject area being taught. [Statutory Authority: RCW 48.02.060, 48.17.150, 48.17.563, 48.85.040. 05-07-091 (Matter No. R 2004-04), § 284-17-320, filed 3/17/05, effective 4/17/05. Statutory Authority: RCW 48.01.030, 48.02.060(3), 48.14.010, 48.17.150(2), 48.17.160 (1)(5) and 48.17.500(3). 94-14-033 (Order R 94-14), § 284-17-320, filed 6/28/94, effective 7/29/94. Statutory Authority: RCW 48.02.060. 89-19-037 (Order R 89-10), § 284-17-320, filed 9/15/89, effective 10/16/89. Statutory Authority: RCW 48.17.150 as amended by 1979 ex.s. c 269 §§ 7,10. 80-04-042 (Order R 80-3), § 284-17-320, filed 3/20/80.] -------------------------------------------------------------------------------- 284-17-421 What definitions apply to WAC 284-17-421 through 284-17-483? (1) "Business entity" means a corporation, partnership, limited liability company, or limited liability partnership. (2) "Sending written notice" or "sending a copy of the written notice" means transmitting the required information in writing and, where appropriate, on forms designated by the commissioner for that purpose, via mail, commercial parcel delivery company, electronic telefacsimile transmission, or e-mail. (3) "NIPR" means the National Insurance Producer Registry or other equivalent organization or entity designated or maintained by the National Association of Insurance Commissioners, its affiliates, or subsidiaries. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-421, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-423 How long are initial and reinstated individual licenses in effect? Initial and reinstated individual licenses are valid from the date of issuance until the date of the licensee's next birthday anniversary plus one year. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-423, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-425 How long are initial and reinstated business entity licenses in effect? Initial and reinstated business entity licenses are valid for a period of two years from the date of issuance. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-425, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-427 What is the renewal period for a license? The renewal period for all licenses is two years. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-427, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-429 How long is an initial appointment valid? Initial appointments are valid for the period ending with the insurer's first appointment renewal date after the initial issue date of the appointment. The appointment renewal date for the insurer is assigned by the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-429, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-431 What is the renewal period for an appointment? The renewal period for all appointments is two years. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-431, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-433 How long is an appointment effective? Each appointment is effective until the agent's license expires or is revoked, the appointment has expired, or written notice of termination of the appointment is received by the commissioner, whichever occurs first. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-433, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-435 How will the commissioner notify an insurer that an agent has been appointed? The commissioner will confirm the agent's appointment by sending written notice to the insurer within fifteen calendar days after receipt of the appointment by the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-435, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-437 How may an agent be appointed? An agent may be appointed by using one of the following methods: (1) By submitting the appointment electronically through NIPR (preferred method); or (2) By submitting the appointment to the commissioner using the form provided by the commissioner for that purpose. The form may be obtained upon request or may be found at the commissioner's web site. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-437, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-439 How will the commissioner notify an insurer if an agent is not eligible for an electronic appointment? If an agent is not eligible for an electronic appointment, the insurer will be notified when the electronic appointment is not accepted for transmission through NIPR. An agent is not eligible for an appointment where the agent's license is not valid or the agent is not licensed for all lines of insurance that the appointing insurer is authorized to transact in the state of Washington. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-439, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-441 How will the commissioner notify an insurer if an agent is ineligible for an appointment when the appointment has not been submitted electronically? The commissioner will notify an insurer that an agent is ineligible for an appointment when the appointment has not been submitted electronically by sending written notice to the insurer. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-441, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-443 How may an insurer renew an agent's appointment? A renewal appointment list will be sent to the insurer identifying all of the insurer's agents whose appointments are due to expire. An insurer may renew an appointment by: (1) Sending written notice to the commissioner that the appointment will be renewed; and (2) Paying the renewal fee for each agent appointed by the insurer on the renewal date assigned by the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-443, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-445 How may an insurer terminate an appointment? An insurer may terminate an appointment by sending written notice of termination to the agent and by sending a notice of termination of the appointment to the commissioner: (1) Electronically through NIPR (preferred method); or (2) Using the form provided by the commissioner for that purpose. The form may be obtained upon request or may be found at the commissioner's web site. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-445, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-447 How may an agent terminate an appointment? An agent may terminate an appointment by sending advance written notice to the insurer stating: (1) The agent will no longer act as a representative of the insurer; and (2) The effective date of the termination. The agent must also send a copy of the written notice to the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-447, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-449 When an agent's appointment is terminated "for cause," what procedure must be followed in notifying the commissioner? If an insurer or its authorized representative terminates the appointment of an agent "for cause," the insurer must notify the insurance commissioner within thirty days following the effective date of the termination by sending written notice of termination of the appointment "for cause" to the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-449, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-451 What information must be provided relating to a "for cause" termination? Upon the written request of the commissioner, the insurer shall provide additional information, documents, records or other data pertaining to the "for cause" termination or activity of the agent. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-451, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-453 What conduct constitutes "for cause"? "For cause" includes the following conduct: (1) Providing incorrect, misleading, incomplete or materially untrue information in the license application; (2) Violating any insurance laws, or violating any regulation, subpoena or order of the commissioner or of another state's insurance commissioner; (3) Obtaining or attempting to obtain a license through misrepresentation or fraud; (4) Improperly withholding, misappropriating or converting any moneys or properties received in the course of doing insurance business; (5) Intentionally misrepresenting the terms of an actual or proposed insurance contract or application for insurance; (6) Having been convicted of a felony; (7) Having admitted or been found to have committed any insurance unfair trade practice or fraud; (8) Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness or financial irresponsibility in the conduct of business in this state or elsewhere; (9) Having an insurance license, denied, suspended or revoked in any other state, province, district or territory; (10) Forging another's name to an application for insurance or to any document related to an insurance transaction; (11) Knowingly accepting insurance business from an individual who is not licensed; (12) Incompetence; (13) Failure to account for premiums; (14) Rebating; and (15) Abandonment. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-453, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-455 Is an agent required to be licensed for the same lines of authority as the appointing insurer? An applicant for an agent's license must be licensed for all lines of insurance that the appointing insurer is authorized to transact in the state of Washington with the following exceptions: (1) Insurers authorized to write lines of insurance in addition to vehicle insurance or surety insurance may appoint agents to write vehicle insurance or surety insurance only. It is only necessary that these appointees take a qualifying examination for vehicle insurance or surety insurance. (2) Where the appointment is for the "limited" licenses of travel, credit life and disability, credit casualty, specialty producers, or rental car agents, it is not necessary for the applicant to be licensed for all lines of insurance that the appointing insurer is authorized to transact in the state of Washington. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-455, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-457 May a licensed agent act as a representative of an insurer and solicit insurance on its behalf before notifying the commissioner of the appointment? A licensed agent may act as a representative of an insurer and solicit insurance on its behalf before notifying the commissioner of the appointment where: (1) The agent is appointed by the insurer; and (2) The notice of appointment is submitted electronically through NIPR. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-457, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-459 How long may a licensed agent act as a representative of an insurer and solicit insurance on its behalf before notifying the commissioner of the appointment? A licensed agent may act as a representative of an insurer and solicit insurance on its behalf before notifying the commissioner of the appointment for up to thirty calendar days after the date the agent has signed the first application for insurance for submission to the insurer. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-459, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-461 May a licensed agent act as a representative of an insurer and solicit insurance on its behalf before notifying the commissioner of the appointment if the notice of appointment is not submitted electronically? If the notice of appointment is not submitted electronically, the commissioner must receive written notice of the appointment and accept the appointment before the licensed agent may act as a representative of an insurer and solicit insurance on its behalf. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-461, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-463 Who is responsible for ensuring that the agent is eligible for appointment? The agent and the appointing insurer are responsible for ensuring that the agent is eligible for appointment. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-463, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-467 What are the consequences when an agent has solicited insurance on behalf of an insurer as authorized by WAC 284-17-457 but is later determined not to be eligible for appointment by the insurer? When an agent has solicited insurance on behalf of an insurer as authorized by WAC 284-17-457 but is later determined not to be eligible for appointment by the insurer: (1) The insurance will be effective; (2) The agent is not entitled to receive compensation for any insurance or insurance product sold by the agent; and (3) The agent and the insurer may be subject to disciplinary action under RCW 48.17.530. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-467, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-469 Is the insurer responsible for the acts of the agent during the period of time the agent is acting as a representative of the insurer or soliciting insurance on its behalf? The insurer is responsible for the acts of the agent during the period of time the agent is acting as a representative of the insurer or soliciting insurance on its behalf but before the commissioner is notified of the appointment. This is the case whether or not the thirty-calendar-day period after the date the agent has signed the first application for insurance for submission to the insurer has elapsed. Any misconduct or errors that may occur during this time will be the responsibility of the insurer and the agent. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-469, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-471 What are the consequences if the commissioner is not notified of the appointment within thirty calendar days after the date the agent has signed the first application for insurance for submission to the insurer and the agent continues to act as a representative of the insurer or solicit insurance on its behalf? If the commissioner is not notified of the appointment within thirty calendar days after the date the agent has signed the first application for insurance for submission to the insurer, the agent may no longer act as a representative of the insurer or solicit insurance on its behalf. If the agent continues to do so, the insurance will be effective but the agent and the insurer may be subject to disciplinary action under RCW 48.17.530. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-471, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-473 Is a business entity licensed as an agent, adjuster or broker required to affiliate an individual licensee? Each business entity licensed as an agent, adjuster or broker must notify the commissioner of all individual licensees that represent the business entity and act on its behalf using the form provided by the commissioner for that purpose. The form may be obtained upon request or may be found at the commissioner's web site. Individual licensees that represent the business entity and act on its behalf are "affiliated" with the licensed business entity. A business entity licensee must have at least one individual licensee who is affiliated. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-473, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-475 Must an individual licensee who is affiliated with a business entity license be individually appointed by insurers if the business entity is appointed by the insurer? If an individual licensee is affiliated with a business entity licensee, the individual is not required to be directly appointed by the insurer. The licensee's authority to act as an agent is limited to those lines for which the licensee is qualified and within the business entity's lines of authority. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-475, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-477 How long is an affiliation valid? An affiliation by a business entity which is not revoked will be valid until the first renewal date after the notice of affiliation. Thereafter, each affiliation may be renewed for a period of two years upon payment of the annual affiliation renewal fee for each affiliation at the time of renewal of the business entity license. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-477, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-479 How may a business entity terminate an affiliation? A business entity may terminate an affiliation of an individual by sending written notice of termination to the agent and a copy to the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-479, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-481 How should an insurer notify the commissioner of a termination of an affiliation "for cause"? If a business entity or its authorized representative terminates the affiliation of a producer "for cause," the business entity must notify the commissioner within thirty days following the effective date of the termination by sending written notice of termination of the affiliation to the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-481, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-482 What information must be provided relating to a "for cause" termination? Upon the written request of the commissioner, the business entity shall provide additional information, documents, records or other data pertaining to the "for cause" termination or conduct of the affiliated person. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-482, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-483 How may an individual agent terminate an affiliation? An individual agent may terminate the agent's affiliation by sending advance written notice to the business entity stating: (1) The agent will no longer act on behalf of the business entity; and (2) The effective date of the termination. The agent must also send a copy of the written notice to the commissioner. [Statutory Authority: RCW 48.02.060 (3)(a) and 48.17.150 (1)(g)(ii). 06-12-025 (Matter No. R 2005-06), § 284-17-483, filed 5/30/06, effective 6/30/06.] -------------------------------------------------------------------------------- 284-17-505 Definitions. As used in WAC 284-17-505 through 284-17-565, the following terms have the meanings indicated unless the context clearly requires otherwise: (1) "Approved prelicense education provider" or "provider" means any insurer, professional association, educational institution created by Washington statutes or vocational school licensed under Title 28C RCW, or independent contractor, to which the commissioner has granted authority to conduct and certify completion of an approved course satisfying the insurance education requirements of RCW 48.17.150. (2) "Approved course" means a series of seminars, classes, or lectures meeting the requirements of WAC 284-17-550; covering the prescribed curricula of WAC 284-17-551 and the applicable section(s) of WAC 284-17-552 through 284-17-555. A course is approved only for offering by an approved provider, while supervised by an approved program director, and presented under the supervision of an approved instructor, according to the applicable section of either WAC 284-17-540 or 284-17-545. (3)(a) "Instructor" means a person meeting the requirements of WAC 284-17-537. (b) "Student" means an individual taking the prelicense education course that is required as a prerequisite to admission to the life, disability, property, or casualty resident insurance agent's license examination. (4) "Curriculum" or "curricula" means the topics of study prescribed for prelicense education by the commissioner at WAC 284-17-551 through 284-17-555, concerning the life, disability, property, and casualty lines of insurance, and including the Washington insurance statutes and regulations curriculum. (5) "Independent testing service" means the entity with which the commissioner has contracted to develop, administer, and score license examinations. (6) "Insurer" means an insurance company, health care service contractor, or health maintenance organization authorized to conduct business in Washington under RCW 48.05.030, 48.44.015, or 48.46.027, respectively. [Statutory Authority: RCW 48.02.060. 89-14-045 (Order R 89-8), § 284-17-505, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-505, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-510 Prelicense education requirement. (1) Unless exempted under WAC 284-17-515, an applicant for a resident's license as a life, disability, property, or casualty insurance agent or solicitor must complete the following education requirements as a prerequisite to admission to the examination: Complete four hours of instruction relating to Washington's general statutes and regulations governing the sale of insurance, and sixteen hours of instruction relating to the specific line of: (a) Life insurance, if the applicant is seeking to be licensed as a life insurance agent or solicitor; or (b) Disability insurance, if the applicant is seeking to be licensed as a disability insurance agent or solicitor; or (c) Casualty insurance, if the applicant is seeking to be licensed as a casualty insurance agent or solicitor; or (d) Property insurance, if the applicant is seeking to be licensed as a property insurance agent or solicitor. (2) An applicant planning to undergo examination for more than one major line need not repeat the four hours' instruction on general statutes and regulations. (3) The prescribed curriculum for a particular line, and the prescribed curriculum for the insurance statutes and regulations, must be completed within the twelve-month period immediately preceding the examination. [Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-510, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-515 Waiver of the prelicense education requirement. Any person with documented insurance education or licensed experience that meets or exceeds the requirements of subsections (1) or (2) of this section as applicable, may file a written petition with the commissioner for a waiver of the prelicense education requirement. Any person who believes that a prelicense education course is unavailable to her or him may file a written petition with the commissioner for permission to undertake self-study in accordance with provisions of subsection (3) of this section. (1) Equivalent education. A written waiver, based on documentation of equivalent education, may be granted by the commissioner in lieu of the certificate of completion for the purpose of complying with the prelicense education requirement, provided that the insurance education was completed within the twelve months immediately preceding the petition for waiver; and the petitioner demonstrates that the materials and/or classes required to complete such insurance education meet or exceed the curriculum prescribed by WAC 284-17-552 through 284-17-555 for each applicable line. (a) An equivalent education in insurance may be demonstrated by a course syllabus and the student's transcript from an accredited college, university, or a course of study recognized as a mark of distinction by the insurance industry and deemed by the commissioner to be fully qualified and competent. (b) The commissioner retains the discretion to determine whether a petitioner has presented sufficient evidence that her or his "equivalent" education merits a waiver of the prelicense education requirement. (c) Prior to the petitioner's participation in the insurance agent's license examination, the petition must be submitted and the commissioner's written waiver must be issued. (d) A waiver is valid for twelve months from the date signed by the commissioner. A waiver of the applicable insurance line curriculum requirement is not a waiver of the insurance statutes and regulations curriculum requirement, or of any other requirement prescribed by the commissioner for insurance license examination eligibility. (2) Licensed experience. A written waiver from the prelicense education requirement for life, disability, casualty, or property insurance as defined respectively by WAC 284-17-552, 284-17-553, 284-17-554, or 284-17-555 may be granted by the commissioner to any person who can demonstrate that (a) he or she has been licensed within the previous ninety days for the same line or lines of insurance in another state and that (b) he or she was licensed continuously for at least two years. Such waiver is not a waiver of Washington's statutes and regulations curriculum as defined in WAC 284-17-551. (3) Unavailability. Any person who believes that a prelicense education course is unavailable to her or him may file a written petition with the commissioner for permission to undertake self-study. Written permission to undertake self-study of the prelicense education curricula, based on a showing of the unavailability of an approved prelicense education course, may be granted by the commissioner provided that the petition shall specify in detail the reasons why a prelicense education course for the identified line of insurance is unavailable, and shall identify with particularity the materials to be used to study the prescribed curricula. The petitioner shall demonstrate that the materials cover the curriculum prescribed for Washington insurance statutes and regulations as well as the curriculum prescribed for that line. (a) The commissioner retains the discretion to determine whether the petitioner has presented sufficient cause to justify a grant of permission to self-study the prelicense curriculum. (b) If the commissioner grants permission to self-study, such study must be completed within twelve months of the grant. Upon completion of study, the petitioner shall present to the commissioner a certified statement in which the self-study materials that have been utilized are identified, and in which the amount of time spent in study is clearly recorded by dates and clock times as covering at least the prelicense education hour requirement. (c) Upon the petitioner's satisfactory completion of the approved program of self-study, the commissioner will issue a certificate of completion of approved self-study. [Statutory Authority: RCW 48.02.060 and 48.17.150. 91-12-032 (Order R 91-2), § 284-17-515, filed 6/3/91, effective 7/4/91. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-515, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-520 When prelicense education requirement must be met. The requirements of WAC 284-17-505 through 284-17-520 apply to all persons taking an agent's license examination, conducted on or after November 1, 1989. (1) Any applicant seeking a resident's license as a life, disability, property, or casualty insurance agent or solicitor in the state of Washington who appears at an examination site must present certificates of completion of the requisite number of hours of approved prelicense education, or a written waiver of the applicable line curriculum and a certificate of completion of the statutes and regulations curriculum, to be allowed access to the examination. (2) Any applicant who receives a passing score on the licensing examination must include validated certificates of completion of the approved prelicense education, or a written waiver of the applicable line curriculum requirement, along with other license application documents, to be issued the license. [Statutory Authority: RCW 48.02.060. 89-14-045 (Order R 89-8), § 284-17-520, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-520, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-530 Requirements applicable to all prelicense education providers. This section applies to all persons offering life, disability, property, or casualty insurance prelicense education, for purposes of satisfying the education requirements prescribed by the commissioner at WAC 284-17-505 through 284-17-520 for insurance license applicants. (1) Persons seeking authority to conduct an approved course for life, disability, property, or casualty insurance shall obtain the written approval from the commissioner prior to the commencement of any such course. No course may be advertised as approved until the provider has obtained in writing all approvals required from the commissioner. (a) The request for approval must include all information, disclosures, statements, and certifications required by the commissioner, on the prescribed forms. (b) Course materials must be submitted to the commissioner with references to the provisions of the prescribed curricula: Provided, however, That the commissioner may waive submission of materials that were approved within the previous twelve months, if references to the prescribed curriculum are drawn in sufficient detail. The provider shall submit a request for approval only for those courses that satisfy the requirements of WAC 284-17-550, 284-17-551, and the applicable sections of WAC 284-17-552 through 284-17-555. (c) The provider must disclose the tuition to be charged for each proposed course. (i) Disclosure to the office of insurance commissioner of the total tuition to be charged for all course offerings shall be made in the request for provider approval. (ii) The provider must disclose to each student at the time of enrollment the amount of the course tuition to be paid, to persons other than the provider's full-time employees, as compensation for referring students to the provider. (iii) The provider must comply with the enrollment procedures set out at WAC 490-800-060 by the Washington state board for vocational education. (2) The commissioner will look to the provider to maintain the integrity of the training system. The provider shall be responsible for its employees' conduct, and shall be subject to disciplinary action for its employees' failure to comply with chapter 284-17 WAC. As a condition of approval, therefore: (a) The provider must retain all student enrollment and performance data, personnel records, and course materials and student evaluations of each course, available for the commissioner's review, for three years. (b) The provider must identify its proposed program director, and must certify, upon conclusion of a competent background investigation, that its program director's qualifications meet or exceed the requirements at WAC 284-17-535, including that the program director has been determined to be trustworthy. (i) The commissioner's approval of a program director is valid for a period of twelve months from the most recent provider approval date. (ii) The provider must apply to the commissioner for amended approval at least ten calendar days before instituting a change of program director. (iii) The provider must continually monitor its program director's supervision of instruction, and must immediately remove the program director if he or she violates any statute or regulation pertaining to insurance sales or licensing then in effect. (c) The provider must identify its proposed instructor(s), and must certify, upon conclusion of a competent background investigation, that each instructor's qualifications meet or exceed the requirements at WAC 284-17-537, including that each instructor has been determined to be trustworthy. (i) The commissioner's approval of each instructor is valid for a period of twelve months from the most recent provider approval date. (ii) The provider must apply to the commissioner for amended approval at least ten calendar days before instituting a change of instructors, except in the case of an instructor vacancy created by an emergency as defined by WAC 284-17-535 (3)(a)(i). (3) After due investigation and consideration, the commissioner may grant approval of the provider upon a showing that the provider has satisfied all the requirements of WAC 284-17-530 through 284-17-539, 284-17-540 or 284-17-545, and 284-17-550. (4) Provider approval is valid for a period of twelve months from the initial approval date. To retain such approval, approved prelicense education providers must: (a) Post in a conspicuous location at the prelicense education site, the procedures for applying for an insurance agent's or solicitor's license, including all preexamination qualifications and a notice of prohibited examination behavior in the standard form prescribed by the commissioner. (b) Apply to the commissioner for amended provider approval at least ten calendar days prior to instituting any change of its owner or executive officer or of its program director. Amended approval, if granted, is valid only until the original provider approval expiration date. (c) Report to the commissioner, by the fifteenth day of each month, the name of each student receiving a certificate of completion for each approved course offered during the previous calendar month. (d) Permit the commissioner or the commissioner's designees to conduct unannounced audits of any of the provider's approved courses, for purposes of monitoring the provider's continued compliance with WAC 284-17-530 through 284-17-565. (e) Immediately produce, upon request of the commissioner or the commissioner's designee, a true and complete copy of the provider's instructional plan for each approved course. (f) Post in a conspicuous location at the prelicense education site, the tuition for each approved course, and if applicable: (i) The full text of any referral/rebate policy; (ii) The specific dollar amount of course tuition which is payable, to each person other than the provider's full-time employees, as compensation for referring students to the provider; (iii) The name(s) of the person(s) to whom referral fees are paid. (g) Any approved provider that has a referral fee/tuition rebate plan must provide a written copy of the agreement to each referred student at the time of her or his enrollment. The copy must contain: (i) The full text of any referral/rebate policy; (ii) The specific dollar amount of course tuition which is payable, to each person other than the provider's full-time employee, as compensation for referring students to the provider; (iii) The name(s) of the person(s) to whom referral fees are paid. (5) The provider must notify the commissioner, in writing, of the provider's intent to terminate its prelicense education program at least ten calendar days prior to the termination. (a) If the commissioner sends a written inquiry by certified mail, the provider must respond within ten calendar days. (b) Failure to notify the commissioner of a course termination, or to respond to a written inquiry, within the specified time limits will result in immediate loss of provider approval, and shall be so noted upon the record. (6) The provider must give at least ten calendar days' notice to the commissioner of the provider's intent to change the tuition amount or the rebating policy, or to initiate a rebating policy with a person other than the provider's full-time employee. (7) It shall be unlawful for any prelicense education provider to use license examination performance data for advertising or promotional purposes. (8) It shall be unlawful for any prelicense education provider to use any name that implies or suggests that the provider is affiliated with either the office of insurance commissioner or with the independent testing service that conducts the examination, or to use any name that implies or suggests that the provider is the only person authorized to provide prelicense education in the state of Washington. [Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-530, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-535 Program director qualifications and responsibilities. (1) A program director's necessary qualifications are: (a) At least five years of teaching experience and knowledge of insurance products, principles, and laws. (i) Each independent provider's program director must possess and hold in good standing a Washington agent's or broker's license. (ii) Each insurer provider's program director must possess such a license or comparable scholastic or professional credentials that the commissioner deems equivalent to such a license. (iii) The requirements of (a)(i) and (ii) of this subsection shall not apply to program directors employed by approved providers governed by chapters 28B.19 and 28B.50 RCW, community colleges within Washington state; or to program directors employed by vocational-technical institutes governed by the superintendent of public instruction and the state board of education. (b) An employment history involving administrative educational experience. (c) Trustworthiness. A program director is untrustworthy if he or she has violated any statute or regulation pertaining to insurance, or to any other regulated occupation; or has had an occupational license revoked in any state; or has been convicted of a crime evidencing lack of fitness to assume fiduciary duties. (2) Information on the program director which must be submitted to the commissioner includes the full disclosure of any regulatory or legal action involving the program director's professional or occupational activities. (3) A program director's responsibilities include: (a) Conducting a competent background investigation to ascertain that each instructor is trustworthy and qualified under WAC 284-17-537 and under WAC 284-17-540 or 284-17-545 for the line of insurance he or she has been designated to instruct; except that: (i) In the event of an emergency created by the unavoidable absence of an approved instructor, the program director may appoint an interim instructor who was not previously certified and approved, to complete the current course offering, however: (ii) The program director must immediately notify the commissioner of the nature of the emergency, the name of the interim instructor, and the date upon which the current course offering will conclude. (iii) At the conclusion of the current course offering the program director and provider shall suspend operation of the affected course until an approved instructor is available to conduct the classes. (b) Supervising each approved course and reviewing all completed student evaluations of the course; and (c) Insuring that instructors properly issue certificates of completion according to WAC 284-17-539 to the students at the completion of each course. [Statutory Authority: RCW 48.02.060. 89-19-036 (Order R 89-9), § 284-17-535, filed 9/15/89, effective 10/16/89; 89-14-045 (Order R 89-8), § 284-17-535, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-535, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-537 Instructor qualifications and responsibilities. The provider must submit the name(s) of each proposed instructor to the commissioner. (1) To qualify as an instructor for an approved provider, each proposed instructor must: (a) Demonstrate any combination of at least three years of experience instructing insurance education courses, supervising students completing self-paced insurance instructional materials, or experience as a licensed insurance agent or broker. (b) Be trustworthy. An instructor is untrustworthy if he or she has violated any statute or regulation pertaining to insurance, or to any other regulated occupation; or has had an occupational license revoked in any state; or has been convicted of a crime evidencing lack of fitness to assume fiduciary duties. (c) Demonstrate competence in the line of insurance he or she proposes to teach: (i) Each independent provider's instructor must possess and hold in good standing a Washington agent's or broker's license for the applicable line(s) of insurance. (ii) Each insurer provider's instructor must possess such a license or scholastic or professional credentials that the commissioner deems equivalent to such a license. (2) The instructor of each approved course shall perform the following instructional and administrative duties: (a) At the beginning session of each approved course, assure that each student has been properly registered. (b) Remain on the premises whenever instruction is being offered. (c) Ensure that the study materials utilized, incorporate the prescribed curriculum, and comply with the lesson plans filed with the commissioner. (d) The instructor may teach approved courses on a live-instruction basis, or combine live instruction with the use of other instructional aids, or proctor student use of self-paced insurance instructional materials. (e) At the conclusion of the course, distribute the standard course evaluation form prescribed by the commissioner, to each student who has completed the course; and collect the completed forms. (f) To each student who has completed the course, issue a certificate of completion by signing each certificate, and thereby certify that the student actually completed the course. (g) Review course evaluations with the program director. [Statutory Authority: RCW 48.02.060. 89-14-045 (Order R 89-8), § 284-17-537, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-537, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-539 Certificates of completion. (1) A "certificate of completion," in the standard form prescribed by the commissioner, shall be completed in its entirety, signed by the instructor, and issued by the approved prelicense education provider to each student in the student's legal name, who has completed an approved course. (2) Both the student and the instructor(s) shall certify that the course was conducted and completed according to the hours and curriculum required, by affixing their original signatures in the spaces provided on the certificate of completion. (3) The provider shall indicate, on the face of the certificate of completion, the correct codes assigned by the commissioner to each approved prelicense education provider and to each approved course. (4) The approved prelicense education provider must issue each valid certificate of completion within twenty-four hours from the time the course was completed. (5) No instructor may issue a certificate of completion to herself or himself. (6) Completion of less than the full course curriculum, or of individual classes, does not qualify for a certificate of completion. (7) A valid certificate of completion (or a valid waiver) for the line of insurance on which the student will be examined, and a certificate of completion for the statutes and regulations curriculum, must be presented to the independent testing service as a prerequisite to participating in any of the agent's license examination(s) for life, disability, property, or casualty insurance. (8) The certificate is valid for twelve months from the course completion date shown on its face. [Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-539, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-540 Requirements applicable to independent prelicense education providers. This section applies to all persons, other than insurers, offering life, disability, property, or casualty insurance courses to license applicants for purposes of satisfying the educational requirement prescribed by WAC 284-17-505 through 284-17-520. (1) In addition to the general conditions for approval set out at WAC 284-17-530 through 284-17-539, and in addition to complying with the requirements of WAC 284-17-550, each noninsurer prelicense education provider shall: (a) Describe any existing insurance education program: (i) Class titles and curricula covered; (ii) Number of students per course during previous year; (iii) Name(s) and qualifications of instructor(s); (iv) Name and qualifications of the person responsible for the previous program. (b) Describe the changes necessary to bring any existing program into compliance with WAC 284-17-530 through 284-17-539, 284-17-550 and 284-17-551, and each applicable section of WAC 284-17-552 through 284-17-555. (c) Reveal the provider's department of revenue registration number. (2) To qualify a provider for the commissioner's approval, the provider's proposed program director must hold in good standing a valid Washington agent's or broker's license and present evidence of teaching experience, the combination to total a minimum of five consecutive years' qualifications. (a) After November 1, 1994, the license(s) must have been held in good standing for at least five years. (b) The requirements of this subsection shall not apply to program directors employed by community colleges governed by chapters 28B.19 and 28B.50 RCW, or to program directors employed by vocational-technical institutes governed by the superintendent of public instruction and the state board of education. (3) To qualify a provider for the commissioner's approval, each of the provider's proposed instructors must hold in good standing a valid Washington agent's or broker's license for the line(s) of insurance he or she will be instructing, and present evidence of teaching experience or experience supervising student completion of self-paced instructional materials, the combination to total a minimum of three consecutive years' qualifications. After November 1, 1992, the license(s) must have been held in good standing for at least three years. (4) An independent provider shall establish and maintain records and an appropriate accounting system for all tuition payments received by the provider. (a) All tuition funds received must be deposited promptly into a bank account or depository separate from any other account or depository. (b) The accounting system used must effectively isolate the separate account from any other operating or personal accounts, and must provide an audit trail so that details underlying the summary data may be identified. (c) The provider shall make such records available for inspection by the commissioner during regular business hours upon demand during the three years immediately after the date of the transaction. (5) Noninsurer course providers shall have an exact physical location or locations. [Statutory Authority: RCW 48.02.060. 89-19-036 (Order R 89-9), § 284-17-540, filed 9/15/89, effective 10/16/89; 89-14-045 (Order R 89-8), § 284-17-540, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-540, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-545 Requirements applicable to insurer prelicense education providers. This section applies to all admitted insurers regulated by the commissioner, and offering life, disability, property, or casualty insurance education courses to license applicants for purposes of satisfying the educational requirements prescribed by WAC 284-17-505 through 284-17-520. (1) In addition to the general conditions for approval set out at WAC 284-17-530 through 284-17-539, and in addition to complying with the requirements of WAC 284-17-550, each insurer applying for prelicense education provider approval must exhibit an existing, bona fide insurance education function which is supervised from the corporate level. The insurer shall: (a) Describe the existing program: (i) Class titles and curricula covered; (ii) Number of students per course during previous year; (iii) Name(s) and qualifications of instructor(s); (iv) Name and qualifications of person responsible for the program. (b) Describe the insurer's plan for agent development. (c) Submit the prelicense education plan to be applied throughout Washington state. (2) For each program director not licensed as a Washington agent or broker, the provider shall in the request for approval identify the program director's equivalent qualifications, including educational degrees or professional designations earned, and certified evidence of past insurance education and licenses held in this or other states, and identify the program director's past teaching experience. (3) For each instructor not licensed as a Washington agent or broker in the line of insurance which is the subject of instruction, the insurer's program director shall in the request for approval identify the instructor's equivalent qualifications, including educational degrees or professional designations earned, and certified evidence of past insurance education and licenses held in this or other states. (4) The commissioner retains discretion to determine whether the proposed instructor'(s) and the proposed program director's asserted qualifications meet the minimum scholastic and professional criteria required herein. [Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-545, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-550 Course standards. (1) No course will be approved unless the Washington insurance statutes and regulations applicable to the specific line are incorporated into each specific line(s) curriculum offered by the provider. These line specific statutes and regulations are not to be contained in the statutes and regulations curriculum of general application found at WAC 284-17-551. (2) To qualify for approval, each course shall be presented under the supervision of an approved instructor, utilizing study materials that include all the prescribed curriculum, and shall be presented under the general supervision of an approved prelicense education provider. (a) Each instructor's qualifications shall be identified, according to the requirements of WAC 284-17-530 (2)(d) and 284-17-537, and 284-17-540 or 284-17-545, for approval by the commissioner. (b) The course instructor shall be on the premises whenever instruction is being offered. (3) Each course shall be broken into individual lesson components covering the prescribed curriculum. (a) Instruction may include coverage of related subject matter; however, such peripheral instruction must be presented in the individual lesson components as supplementary to the prescribed curriculum hours. (b) The provider may choose the prelicense education study materials, and shall certify that the study materials include all of the prescribed curriculum. (4) "Hours" are approved by the commissioner for an approved course. Each "hour" shall represent at least fifty minutes of actual instruction on a topic within the prescribed prelicense education curriculum. (5) No course may be represented as approved until the approved prelicense education provider has received the commissioner's written approval of the instructor and of the course. (a) Approved prelicense education providers must apply to the commissioner for amended course approval if any of the following changes or revisions are instituted before the original course approval expiration date: (i) Change of study materials; (ii) Change of location; or (iii) Change of course tuition or rebate policy. (b) Amended approval, if granted, is valid only until the original course approval expiration date. [Statutory Authority: RCW 48.02.060. 89-14-045 (Order R 89-8), § 284-17-550, filed 6/29/89. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-550, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-551 Statutes and regulations curriculum. Every prelicense education course shall incorporate study of the: (1) Nature of insurance: (a) Definition of insurance; insurance transaction; (b) Insurer; (c) Public interest; (d) Risk management; (e) Law of large numbers; (f) Indemnification. (2) Insurance commissioner: (a) Authority and duties; (b) Broad powers; (c) Rate and form filings; (d) Examination of records; (e) Penalties; (f) Notice of hearing; (g) Examinations: (i) Insurers' financial status; (ii) License applicant's qualifications. (h) Hearings and appeals; (i) Public access to records. (3) Insurers: (a) Definitions: (i) Domestic, foreign, alien; (ii) Life, disability - stock, mutual, fraternal; (iii) Property, casualty, vehicle, surety - stock, mutual, reciprocal, Lloyds; (iv) Authorized, unauthorized insurers; certificate of authority. (b) Financial status: (i) Mergers, insider trading; (ii) Rehabilitation, liquidation; Washington Insurance Guaranty Associations. (c) Insuring powers - defining the separate lines; (d) Assets and liabilities: (i) Investments; (ii) Reserves. (e) Fees and taxes. (4) The insurance contract: (a) General provisions; (b) Exclusions and limitations; (c) Insured; (d) Cancellation and nonrenewal; (e) Premium; (f) Binder. (5) Agents, brokers, solicitors, adjusters: (a) Company appointment or affiliation: (i) Purpose, contractual authority, and liability; (ii) Termination. (b) Types of licenses: (i) Exemptions; (ii) Limited lines; (iii) Temporary; (iv) Nonresident; (v) Authority and liability under the regulation: (A) Solicitor; (B) Agent; (C) Broker; (D) Surplus lines broker; (E) Adjuster: Independent, public. (6) Major lines: (a) Life insurance; (b) Disability insurance; (c) Property insurance; (d) Casualty insurance. (7) Other lines: (a) Vehicle insurance; (b) Surety; (c) Credit life and credit accident/health; (d) Travel insurance. (8) Penalties for noncompliance: (a) Refusal/nonrenewal; (b) Suspension/revocation; (c) Fines; (9) Maintenance and duration of license: (a) Appointments/terminations of appointments; (b) Renewal procedures; (10) Licensing requirements: (a) Purpose; (b) Licensing procedures: (i) Resident; (ii) Nonresident. (iii) Temporary license. (c) Continuing education; renewal procedures: (i) Penalties for misconduct; (ii) Exemption from the licensing requirement. (iii) Temporary license. (11) Agent responsibilities: (a) Recordkeeping; (b) Reply promptly to inquiry by the commissioner; notify the commissioner of a change of address; (c) Application completion; (d) Policy delivery; (e) Separate account requirement; (f) Premium accountability; (g) Fiduciary accountability. (12) Compensation of licensees: (a) Sharing commissions; (b) Charges for extra services. (13) Protection of public interest. (14) Unfair practices: (a) Advertising, comparisons, and defamation; (b) Charges, inducements, rebating; (c) Misrepresentation; (d) Twisting; (e) Illegal dealing in premiums; (f) Illegal inducements; (g) Failure to issue proper receipts; (h) Unfair claims methods and trade practices; (i) Broker's fees disclosed; (j) Penalties; (k) Discrimination. [Statutory Authority: RCW 48.02.060 and 48.17.150. 91-12-033 (Order R 91-3), § 284-17-551, filed 6/3/91, effective 7/4/91. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-551, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-552 Life insurance curriculum. (1) Life insurance needs: (a) Monetary value of human life; (b) Social security: (i) Contributions; (ii) Qualification and restrictions; (iii) Benefit periods; (iv) Blackout period. (c) Federal government employee/military benefits/railroad retirement benefits; (d) Needs analysis: (i) Premature death/retirement; (ii) Theory of decreasing need; (iii) Earnings approach, depletion approach; (iv) Capital retention/estate conservation; (v) Mortality/life expectancy tables. (2) Types of individual life insurance: (a) Term insurance policies: (i) General nature; (ii) Basic types of term contracts; (iii) Special features; (iv) Level, decreasing or increasing benefit. (A) Renewability; (B) Convertibility; (C) Reentry. (b) Whole life insurance: (i) General nature; (ii) Economic values of whole life; (c) Basic types of whole life contracts: (i) Straight (ordinary) life; (ii) Limited pay life; (iii) Endowment insurance. (d) Universal life: (i) General nature; (ii) Features and characteristics; (iii) Fixed versus variable. (e) Single premium whole life: (i) Fixed; (ii) Variable. (3) Premium variations: (a) Single; (b) Level; (c) Adjustable; (d) Modified; (e) Graded. (4) Annuities: (a) The annuity principle; (b) Nature and purpose; (c) Premium-payment method: (i) Single; (ii) Fixed installment; (iii) Flexible. (d) Tax-qualified plans; nonqualified plans; (e) Fixed versus variable benefits; (f) When benefits begin; (g) Number of lives covered; (h) Payout options: (i) Period certain; (ii) Interest only; (iii) Fixed/variable. (i) Guarantee prior to annuity starting date; (j) Guarantee of minimum total benefit: (i) Straight (pure) life annuity; (ii) Annuity with period certain; (iii) Cash or installment refund annuity. (5) Other life insurance products: (a) Keogh (HR-10) plan; (b) Individual retirement account (IRA); (c) Simplified employee pension plan (SEP); (d) Key person; (e) Buy-sell; (f) Executive bonus; (g) Split dollar; (h) Tax sheltered annuity. (6) Group life insurance: (a) Types of contracts: (i) Term, including survivorship; (ii) Contracts with permanent benefits; (iii) Credit or mortgage life. (b) Group underwriting principles; (c) Master policy and certificates; (d) Conversion rights and limitations. (7) Combination policies and variations in basic forms: (a) Double or triple indemnity; (b) Term riders; (c) Family policies/riders; (d) Family income, family maintenance; (e) Retirement income; (f) Face amount plus cash value/return of premium; (g) Mortgage protection. (h) Joint life; (i) Last survivor; (j) Juvenile; (k) Adjustable life; (l) Variable life. (8) Policy provisions, options, and other features: (a) General provisions and clauses; (i) Insuring agreement/consideration; (ii) Owner/applicant/insured; (iii) Assignment; (iv) Entire contract; (v) Incontestability; (vi) Grace period/reinstatement; (vii) Misstatement of age or sex; (viii) Suicide; (ix) War; (x) Aviation; (xi) Free look; (xii) Representations; (xiii) Uniform Simultaneous Death Act; (xiv) Settlement on proof of death; (xv) Morbidity and mortality tables; (xvi) Age, health, marital status, occupation; (xvii) Loan provisions: Nature, interest, automatic premium loan. (9) Life insurance statutes and regulations: (a) Disclosure; (b) Fair Credit Reporting Act; (c) Replacement; (d) Washington Life and Disability Insurance Guaranty Association; (e) Fraternal benefit society; (f) Standard nonforfeiture law. (10) Policy riders: (a) Policy loan provision; (b) Automatic premium loan; (c) Waiver of premium; (d) Guaranteed insurability; (e) Dividends/excess interest declarations; (f) Nonforfeiture values, annuity tables; (g) Accidental death/dismemberment; (h) Disability income rider; (i) Cost of living rider. (11) Beneficiary designations: (a) Estate/named party/class; (b) Primary/contingent; (c) Revocable/irrevocable; (d) Trust. (e) Common disaster, short-term survivorship; Uniform Simultaneous Death Act; (f) Minor as beneficiary; (g) Changing the beneficiary. (12) Application process: (a) Application completion; (b) Application as part of contract; (c) Fair Credit Reporting Act compliance; (d) Receipts; (e) Modified/issued as requested; (f) Nonprepaid/prepaid; (g) Modes of payment/effect of nonpayment; (h) Good health upon delivery; (i) Ten-day free look. (13) Claims process: (a) Notice of claim; (b) Proof of loss; (c) Statute of limitations on claims/defenses; (d) Settlement options: (i) Right to elect or change; (ii) Owner's rights; (iii) Beneficiary's rights. (e) Types of settlements: (i) Lump sum; (ii) Interest only; (iii) Period certain, fixed amount. (14) Federal taxation: (a) Life insurance premiums; (b) Proceeds; (c) Dividends: (i) Nature of dividends; (ii) Four basic options for the use of dividends; (iii) One-year term (fifth) dividend option. (d) Policy loans/withdrawals. (15) Other topics: (a) Social Security survivors, death, and retirement benefits; (b) Legal concepts: (i) Insurable interest; (ii) Misrepresentation and concealment; (c) Evaluation of life insurance needs: (i) Needs approach; (ii) Human life value approach. (d) Cost comparison methods; (i) Interest-adjusted cost; (ii) Traditional net cost. (e) Credit life. (f) Business uses of life insurance: (i) Buy and sell agreements; (ii) Cross-purchase plan; (iii) Entity plan. (g) Key person insurance. [Statutory Authority: RCW 48.02.060 and 48.17.150. 91-12-033 (Order R 91-3), § 284-17-552, filed 6/3/91, effective 7/4/91. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-552, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-553 Disability insurance curriculum. (1) Nature and purpose: (a) Medical expenses; (b) Loss of income; (c) Insuring agreement and perils covered; (d) Definition of total disability: (i) Own occupation; (ii) Any occupation for which the insured is reasonably suited; (iii) Any occupation; (iv) Combination definitions; (v) Presumptive disability. (e) Temporary disability; (f) Permanent disability; (i) Partial; (ii) Total; (g) Residual disability; (h) Recurrent disability; (2) Underwriting considerations: (a) Elimination (waiting) period; (b) Probationary period; (c) Benefit period: (i) Short-term versus long-term; (ii) Accident versus sickness; (d) Nonoccupational versus full coverage; (e) Costs of illness or injury; morbidity tables: (i) Age, sex, height, and weight; (ii) Marital, financial status; (iii) Occupation, avocation; (iv) Current state of health; (v) Illegal occupation; (f) Rating standards: (i) Reasonable, equitable, adequate; (ii) Class exposures to a degree of risk; (g) Common exclusions; (3) Accidental death/dismemberment; (4) Needs analysis: Human life value, economic value; (5) Disability insurance policy provisions: (a) Mandatory individual policy provisions: (i) Grace period; (ii) Reinstatement; (iii) Misstatement of age or sex; (iv) Change of beneficiary; (v) Entire contract; (vi) Time limit on certain defenses; (vii) Notice of claim; (viii) Claim forms; (ix) Proof of loss; (x) Time of payment of claims; (xi) Payment of claims; (xii) Physical examination and autopsy; (xiii) Legal actions. (b) Optional individual policy provisions and clauses: (i) Unpaid premium; (ii) Cancellation/renewability; (iii) Nonoccupation/full coverage; (iv) Change of occupation; (v) Other insurance with this insurer; (vi) Insurance with other insurer(s): (A) On expense incurred basis; (B) On another basis. (vii) Chemical dependency; (viii) Relation of earnings to insurance; (ix) Unpaid premiums; (x) Cancellation; (xi) Conformity with state statute; (6) Other provisions: (a) Consideration/premium payment; (b) Modes of payment; (c) Effect of nonpayment; (d) Claims control; (i) Second surgical opinion; (ii) Precertification; (iii) Ambulatory treatment. (e) Conversion; (f) Waiver of premium; (g) Assignment; (h) Preexisting conditions; (i) Right to examine; (j) Policy continuation: (i) Cancellable; (ii) Optionally renewable; (iii) Conditionally renewable; (iv) Guaranteed renewable; (v) Noncancellable. (7) Benefit features, options: (a) Cost of living adjustment; (b) Accident medical expense; (c) Guaranteed insurability option; (d) Accidental death and dismemberment; (e) Social Security rider; (f) Lifetime/extended benefit; (g) Assignment of benefits; (h) Benefit periods: (i) Long term/short term; (ii) Illness/injury. (i) Nonduplication of benefits: (i) Other insurers; (ii) Benefit maximum. (j) Special policy provisions: (i) Disability buy-out; (ii) Lump sum; (iii) Periodic payment; (k) Specified injury or illness. (8) Disability benefits in life insurance contracts. (9) Business overhead expense coverage. (10) Hospital income coverage. (11) Credit protection/mortgage protection. (12) Sources of medical (accident and health) benefits: (a) Insurance companies; (b) Health care service contractors (HCSC); (c) Health maintenance organizations (HMO); (d) Preferred provider organizations (PPO); (e) Health Insurance Coverage Access Act: (i) Nature and purpose; (ii) Eligibility; (iii) Coverage available. (13) Basic medical expense insurance: (a) Nature and purpose; (b) Insuring agreements and perils covered; (c) Hospitalization expense; (i) Room and board; (ii) Intensive care; (iii) Ancillary (miscellaneous) charges. (d) Surgical expense: (i) Schedules: Absolute value versus relative value; (ii) Usual and customary. (e) Regular medical expense (other physician charges): (i) Charges covered; (ii) Common limitations on benefits. (f) Common exclusions. (g) Other benefit features, options, or expense coverages: (i) Maternity; (ii) Private duty nursing; (iii) Dental; (iv) Prescription drug; (v) Vision; (vi) Home health care; (vii) Dread disease and limited (e.g., cancer) coverage. (14) Major medical expense insurance: (a) Nature and purpose; (b) Covered charges (expenses); (c) Inside (internal) limits; (d) Waiting period, preexisting/named conditions; (e) Common limitations/exclusions/optional coverages: (i) Self-inflicted injury; (ii) Injured while engaged in illegal activity or under the influence of a controlled substance; (iii) Injury caused by military conflict; (iv) Elective cosmetic surgery; (v) Optical, dental, audio care; (vi) Maternity and childbirth; (vii) Prescription drugs. (f) Deductible: (i) Per injury or sickness versus cumulative (e.g., annual); (ii) Corridor; (iii) Common accident/common sickness; (iv) Family maximum; (v) Basic or other plan benefits; (vi) Carryover provision; (vii) Coinsurance, copayment, stop loss; (viii) Waiting periods; (ix) Standards for coordination of benefits/nonduplication of benefits; (x) Maximum limits: (A) Per injury or illness versus lifetime; (B) Unlimited; (C) Restoration of used benefits. (15) Comprehensive coverage: (a) Basic plan plus major medical; (b) Comprehensive major medical. (16) Group insurance and related coverages: (a) Types of benefits; (b) Group underwriting considerations; (c) Group enrollment restrictions: (i) Age of applicant; (ii) Coverage for dependents; (iii) Time period for enrollment; (iv) Preexisting condition. (d) Master policy and certificates; (e) Conversion; (f) Probationary employment period; (g) Extended benefits; (h) Mandatory benefits and options; (i) Nonduplication and coordination of benefits provision; (j) Approaches related to group insurance: (i) Franchise coverage; (ii) Blanket coverage. (k) Consolidated Omnibus Budget Reconciliation Act (COBRA). (17) Government entitlement programs. (18) Medicare: (a) Eligibility and enrollment; (b) Part A (Hospital); (i) Hospital coverage: (A) Benefits; (B) Diagnostic related groups (DRG's). (ii) Skilled nursing facilities; (iii) Home health care; (iv) Hospice care. (c) Part B (Medical): Medical coverage: (i) Premium requirement; (ii) Benefits; (iii) Deductibles; (iv) Coinsurance; (v) Assignment; (vi) Allowable charges versus usual and customary. (d) Definitions: (i) Carrier; (ii) Intermediary; (iii) Spell of illness; (iv) Coverage outside the United States. (19) Medicare supplements: (a) Nature and purpose; (b) Minimum standards; (c) Preexisting conditions; (d) Disclosure; (e) Renewability; (f) Replacement. (20) Social Security disability and medical expense benefits. (21) Long-term care: (a) Nature and purpose; (b) Policies and contracts; (c) Skilled/intermediate care; (d) Disclosure; (e) Free look; (f) Prohibited practices. (22) Policy delivery: (a) Modified versus issued as requested; (b) Explanation of coverage; (c) Payment of premium: (i) Paid upon application; (ii) Paid upon delivery; (iii) Mode of payment; (iv) Effect of nonpayment. (d) Good health upon delivery; (e) Ten-day free look; (f) Application completion; (g) Fair Credit Reporting Act compliance. (23) Insurance statutes and regulations: (a) Applicable to disability insurers only: (i) Disability insurance advertising restrictions; (ii) Group/blanket disability insurance: (A) Extended health; (B) Disability insurance loss ratios. (iii) Washington Life and Disability Insurance Guaranty Association; (iv) Trade practices: (A) Trade practice rules; (B) Unfair claims practices. (b) Applicable to all medical service coverage carriers: (i) Standards for group chemical dependency coverage; (ii) Rules pertaining to AIDS; (iii) Health Care False Claim Act; (c) Misrepresentation and concealment. (24) Claims: (a) Notice, forms, time limit; (b) Proof of claim: Physical examination/autopsy; (c) Legal action: (i) Statute of limitations; (ii) Coordination of benefits. (d) Settlement: (i) Payment of claims; (ii) Time and method of payment. (25) Other topics: (a) Accidental death and dismemberment coverage: (i) Insuring agreements and perils covered; (ii) Principle (capital) sum; (iii) Beneficiary designations. (b) Business uses: The disability buy-out. (26) Federal income taxation: (a) Disability insurance premium; (b) Disability insurance benefits. [Statutory Authority: RCW 48.02.060 and 48.17.150. 91-12-033 (Order R 91-3), § 284-17-553, filed 6/3/91, effective 7/4/91. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-553, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-554 Casualty insurance curriculum. (1) Defining casualty insurance. Insurable interest; insured's legal liability for: (a) Bodily injury, disability or death of any human being: (i) Medical, hospital, surgical costs; (ii) Funeral benefits. (b) Liability for loss of/damage to the property of others; (c) Coverage for personal injury: (i) Libel, slander, defamation of character; (ii) Wrongful eviction. (d) Any other kind of loss, damage, or liability which is: (i) Properly the subject of insurance; (ii) Not within another insurance definition; and (iii) Not contrary to law or public policy. (2) Legal basis for liability: (a) Intentional tort; (b) Statutory liability; (c) Product/absolute/strict liability; (d) Negligence: (i) Principles: (A) Duty of care; (B) Breach of duty was proximate cause of injury; (C) Injury in fact. (ii) Defenses: (A) Contributory negligence; (B) Comparative negligence; (C) Last clear chance; (D) Assumption of risk. (iii) Degrees of care owed to: (A) Trespasser; (B) Licensee; (C) Invitee; (D) Children. (iv) Reasonable person standard applied to: (A) Attractive nuisance; (B) Extra hazardous operations. (e) Sources of liability: (i) Direct; (ii) Contingent; (iii) Contractual; (iv) Vicarious. (3) Evaluating casualty insurance needs: (a) Maximum probable loss: (i) Personal injury; (ii) Bodily injury; (iii) Injury to insured's reputation; (iv) Mental distress; insured's lost wages; (v) Defense costs; (vi) Property damage. (b) Factors affecting rates: (i) Risks, perils, hazards; (ii) Personal, business habits; (iii) Blanket/specific coverage; (iv) Monoline/package policy; (v) Other primary or excess insurance; (vi) Experience rating; (vii) Deposit premium/audit. (c) Liability limits: (i) Per person; (ii) Per occurrence; (iii) Aggregate; (iv) Split/single limit. (d) Occurrence policy; claims made policy; (e) Application content and binders. (4) Major classes of policy provisions: (a) Declarations: (i) First named insured, additional insureds; (ii) Policy period, policy territory, perils; (iii) Liability limits. (b) Insuring agreement; (c) Conditions: (i) Liberalization; (ii) Subrogation; (iii) Assignment. (d) Exclusions; (e) Definitions: (i) Entire contract; (ii) Agency binding authority; (iii) Rating and premium determination. (5) Homeowners (section II) coverage - ISO HO-84 and Washington amendatory endorsement HO-300 (01/89): (a) Nature and eligibility; (b) Liability insuring agreement/exclusions; (c) Medical payment insuring agreement/exclusions; (d) Additional coverages and conditions; (e) Common endorsements: (i) Business pursuits; (ii) Permitted incidental occupancy; (iii) Watercraft; (iv) Additional resident premises rented to others. (f) Other personal packages: Mobile home owner. (g) Miscellaneous personal casualty coverages: (i) Umbrella; (ii) Excess auto liability; (iii) Recreational vehicles; (iv) Watercraft/yacht. (h) Incidental farming. (6) Automobile coverage: (a) Financial responsibility: (i) Proof defined; (ii) Persons required to show proof; (iii) Methods of satisfying financial responsibility; (iv) Penalty for noncompliance. (b) Coverages: (i) Bodily injury; (ii) Personal injury protection; (iii) Medical payments; (iv) Property damage; (v) Collision; (vi) Other than collision; (vii) Towing expense, rental reimbursement; (viii) Supplementary payments; (ix) Uninsured motorist; (x) Under-insured motorist. (c) Personal auto: (i) Common policies and endorsements: (A) Personal auto policy; (B) Broad form named operator; (C) Extended nonowned liability; (D) Debt and financing coverage. (ii) Cancellation or nonrenewal: (A) By insured/by insurer; (B) Statutory requirements, notice; return of premium; (C) Trade practice regulations. (d) Business auto: (i) Owned; (ii) Nonowned; (iii) Hired; (iv) Garage liability; (v) Garagekeeper's liability. (7) Commercial casualty: (a) Basic hazards: (i) General liability; (ii) Contractual liability; (iii) Independent contractors; (iv) Pollution/environmental impairment; (v) Premises and operations; (vi) Products and completed operations; (vii) Personal and advertising injury; (viii) Liquor liability. (b) Types of commercial package policies: (i) Commercial package policy; (ii) Businessowner's policy (section II): (A) Nature and purpose; (B) Standard/special form; (C) Coverages, exclusions; (D) Optional coverages. (c) Miscellaneous commercial casualty coverages: (i) Fire legal liability; (ii) Professional liability; (iii) Director's/officer's liability; (iv) Stop-gap; (v) Umbrella; (vi) Excess insurance; (vii) Boiler and machinery; (viii) Motor vehicle mechanical breakdown; (ix) Ocean marine. (8) Crime coverage: (a) Major perils: (i) Forgery/alteration; (ii) Theft/disappearance, destruction/vandalism; (iii) Safe burglary; (iv) Robbery, burglary. (b) Primary crime coverage forms: (i) Premises burglary; (ii) Robbery and safe burglary; (iii) Theft, disappearance and destruction. (c) Fidelity: (i) Employee dishonesty coverage form: (A) Individual; (B) Scheduled; (C) Blanket. (ii) Financial institution bond. (d) Forgery; (e) Employee Retirement Income Security Act (ERISA); (f) Surety bond: (i) Surety distinguished from insurance; (ii) Parties to the contract; (iii) Promise of the surety; (iv) Major classes of surety bond. (9) Government programs: (a) Worker's compensation; (b) The Jones Act; (c) The Longshore and Harbor Workers' Act; (d) National crime program; (e) Washington automobile insurance plan. [Statutory Authority: RCW 48.02.060 and 48.17.150. 91-12-033 (Order R 91-3), § 284-17-554, filed 6/3/91, effective 7/4/91. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-554, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-555 Property insurance curriculum. (1) Defining property insurance: (a) Loss of or damage to real or personal property; (b) Loss of interest in real or personal property. (2) Evaluation of risk: (a) Maximum probable loss: (i) Direct loss; (ii) Indirect loss; (iii) Concurrent causation. (b) Factors affecting rates: (i) Risks, perils, hazards; (ii) Personal, business habits; (iii) Blanket/specific coverage; (iv) Coinsurance. (3) Personal insurance coverages: (a) Dwelling property forms - basic, broad, or special: (i) Nature and eligibility; (ii) Property covered/excluded; (iii) Perils covered/excluded; (iv) Deductibles; (v) Limitation on loss settlement; (vi) Other conditions and provisions. (A) Entire contract; (B) Agency binding authority. (b) Homeowners (section I) coverage - ISO HO-84 and Washington amendatory endorsement HO-300 (01/89): (i) Nature and eligibility; (ii) Property covered: (A) Personal dwelling; (B) Other appurtenant private structures; (C) Unscheduled personal property; (D) Additional living expense. (iii) Perils covered/excluded; (iv) Property limited/excluded; (v) Other provisions or conditions; (vi) Cancellation or nonrenewal: (A) Statutory requirements, notice; return of premium; (B) Trade practice regulations. (vii) Common endorsements: (A) Replacement cost on contents; (B) Guaranteed replacement cost on dwelling; (C) Scheduled personal property; (D) Earthquake; (E) Inflation guard. (c) Other personal packages: Mobile home. (4) Commercial property coverages: (a) Property covered: (i) Building; (ii) Insured's business personal property; (iii) Personal property of others. (b) Cause of loss forms: (i) Basic; (ii) Broad; (iii) Special. (c) Property limited or excluded; (d) Optional coverages; (e) Conditions, provisions, and extensions of coverage; (f) Types of commercial package policies: (i) Commercial package policy; (ii) Businessowner's policy (section I): (A) Nature and purpose; (B) Standard/special form; (C) Coverages, exclusions; (D) Property limited or excluded. (g) Miscellaneous commercial property insurance: (i) Business income: (A) General nature; (B) Losses covered. (ii) Extra expense; (iii) Glass; (iv) Earthquake; (v) Inland marine; (vi) Ocean marine/yacht; (vii) Farmowner's. (5) Government programs: (a) National flood insurance program; (b) Fair access to insurance requirements (FAIR) plan; (c) Washington Insurance Guaranty Association; (d) Federal crop insurance program. [Statutory Authority: RCW 48.02.060 and 48.17.150. 91-12-033 (Order R 91-3), § 284-17-555, filed 6/3/91, effective 7/4/91. Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-555, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-560 Providers not approved. The commissioner may deny approval to any prelicense education provider based upon: (1) Such provider's refusal or failure to comply with any of the requirements of chapter 284-17 WAC, including but not limited to the provider's employment and use of an unqualified program director or instructor; or (2) Any owner, operator, program director, instructor, or other employee of such provider has, directly or indirectly, compromised or attempted to compromise the integrity or security of Washington state licensing examination questions, or has induced another to do so; or (3) Any owner, operator, program director, instructor, or other employee of such provider has been cited for noncompliance with any of the requirements of this chapter or chapter 284-12 WAC, or of any other statute or regulation pertaining to the sale of insurance or to insurance education; or has been cited for violations of statutes, regulations, or copyrights related to an examination for any occupational license. [Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-560, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-565 Approved providers — Loss of approval. (1) The commissioner may suspend or revoke approval of any prelicense education provider based upon a finding that: (a) Any owner, operator, program director, instructor, or other employee of such provider has failed to comply with any of the requirements of chapter 284-17 WAC, including but not limited to the failure to employ a qualified program director or instructor(s); or (b) Any owner, operator, program director, instructor, or other employee of such provider has, directly or indirectly, compromised or attempted to compromise the integrity or security of Washington state licensing examination questions, or has induced another to do so; or (c) Such provider has failed to maintain an effective instructional program, or has misrepresented the quality of the instruction provided, to the detriment of its students. (2) The commissioner may suspend or revoke approval of any prelicense education provider based upon such provider's failure to: (a) Reply promptly, in writing, to an inquiry of the commissioner. (b) Submit revised course outlines requested by the commissioner. If changes are implemented in the prescribed prelicense curricula, affected providers must submit revised course outlines at least fifteen calendar days before the implementation date. (c) Make timely disclosure to the office of insurance commissioner and to enrolling students at the time of their enrollment of any offer or payment of any rebate, refund, fee, commission, or discount to persons, other than the provider's full-time employees, in connection with referrals of students to the provider. [Statutory Authority: RCW 48.02.060 and 48.17.070. 89-01-055 (Order R 88-14), § 284-17-565, filed 12/16/88.] -------------------------------------------------------------------------------- 284-17-600 Licensing requirements for licensees who maintain more than one place of business in the state. (1) If an agent operates out of more than one place of business in this state, in addition to complying with the requirements of RCW 48.17.450, each such location must be under the charge of an individual properly licensed for the insurance transactions being conducted at the location, and such individual must be physically present in such location during the times such location is open for the transaction of insurance, to the same extent as would be expected of an agent operating at a single location. Each agent involved in an insurance transaction must have the appointments necessary for each such transaction, whether by direct appointment from the insurer or by affiliation with an appropriately appointed agent. (2) If an insurance agent is also licensed as an insurance broker while maintaining more than one place of business in this state, transactions in any location which require the services of a broker shall be conducted only by a properly licensed broker. (3) A failure to comply with this section shall be an unfair practice pursuant to RCW 48.30.010, and a violation of a regulation pursuant to RCW 48.17.530 and 48.05.140. (4) As contemplated by RCW 48.01.060, the transaction of insurance includes solicitation, negotiations preliminary to execution, execution of an insurance contract, transaction of matters subsequent to execution of the contract and arising out of it, and insuring. [Statutory Authority: RCW 48.02.060 (3)(a), 48.05.140(9), 48.17.060, 48.17.180, 48.17.530 and 48.30.010. 90-22-039 (Order R 90-12), § 284-17-600, filed 11/1/90, effective 1/15/91.]