Curriculum: New York Accident & Health Agent/Broker Prelicensing (20-Hour)

Lesson 1 — Orientation, Licensing Framework, and Insurance Contract Fundamentals. Section topics include: Lesson 1 — Orientation, Licensing Framework, and Insurance Contract Fundamentals, Learning Objectives, Part 1 — Course Welcome and Exam Orientation, Part 2 — New York DFS Regulatory Framework, Part 3 — Producer Definitions (NYIL §2101), Part 4 — Licensing Requirements for A&H Producers.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 1 — Orientation, Licensing Framework, and Insurance Contract Fundamentals.
• -Apply the lesson's rules to realistic New York Accident & Health Prelicensing (20-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 2: Major Medical, Disability Income, Long-Term Care, and Specialty Health Products. Section topics include: Learning Objectives, Part 1 — ACA-Compliant Individual Major Medical: The Federal and New York Framew, Part 2 — Disability Income Insurance, Part 3 — Long-Term Care Insurance, Part 4 — Specialty Health Products, Part 5 — Medicare Supplement (Medigap) Insurance.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 2: Major Medical, Disability Income, Long-Term Care, and Specialty Health Products.
• -Apply the lesson's rules to realistic New York Accident & Health Prelicensing (20-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 3 — Group A&H, COBRA/Mini-COBRA, DBL/PFL, Medicare, Medigap, and Senior Protections. Section topics include: Group Accident and Health Coverage — The New York Framework, Continuation of Coverage — COBRA and New York Mini-COBRA, New York Disability Benefits Law and Paid Family Leave, HIPAA, ERISA, Section 125, and HRAs, Medicare Parts A-D, Medicare Supplement Insurance, Medicaid and Other Public Programs, and Senior Protections.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts that govern group A&H, COBRA/Mini-COBRA, DBL/PFL, Medicare, Medigap, Medicaid, and senior protections in New York.
• -Apply the lesson's rules to realistic New York Accident & Health Prelicensing (20-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 4 — Producer Conduct, Ethics, Claims Handling, Privacy/Cyber, HIPAA/ERISA, and PSI Exam Preparation. Section topics include: Producer Conduct and Licensing Discipline, Anti-Rebating, Anti-Discrimination, and Unfair Claims, Claims Handling Regulations, Individual and Group Policy Provisions, Regulation 187 and Cybersecurity, Federal Law (HIPAA and ERISA), Continuing Education, Records Retention, and Anti-Discrimination, PSI Exam Overview, Key Concept Review, and Mock Final Examination with rationales.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts that govern producer conduct (NYIL §§ 2110, 2122, 2123), anti-rebating and anti-discrimination (§ 4224), unfair claim-settlement practices (§ 2601 and Reg 64), Regulation 187 best-interest scope, 23 NYCRR Part 500 cybersecurity, federal HIPAA and ERISA, continuing education under § 2132, records retention, and PSI Series 17-52 exam preparation.
• -Apply the lesson's rules to realistic New York Accident & Health Prelicensing (20-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.