Curriculum: New York Life, Accident & Health Agent/Broker Prelicensing (40-Hour)

Lesson 1: Orientation, NY DFS Regulatory Authority, and the Producer License Framework. Section topics include: Learning Objectives, Part 1 — Course Orientation and Exam Preview, Part 2 — The New York Department of Financial Services, Part 3 — Article 21 Producer Licensing in Detail, Part 4 — Advertising Rules: §§ 2122 and 2123, Part 5 — Continuing Education: NYIL § 2132.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 1: Orientation, NY DFS Regulatory Authority, and the Producer License Framework.
• -Apply the lesson's rules to realistic New York Life, Accident & Health Prelicensing (40-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: Insurance Contracts, Agency Law & NY Producer Law. Section topics include: Learning Objectives, Part I: The Insurance Contract — Foundation and Framework, Part II: Insurable Interest in Life Insurance, Part III: Utmost Good Faith — Representations, Warranties, Concealment, and Frau, Part IV: Mandatory Policy Provisions Under New York Law, Part V: Risk, Adverse Selection, and the Law of Large Numbers.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 2: Insurance Contracts, Agency Law & NY Producer Law.
• -Apply the lesson's rules to realistic New York Life, Accident & Health Prelicensing (40-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: Life Insurance Products, Policy Provisions, Riders, and Nonforfeiture. Section topics include: Learning Objectives, Part 1 — Life Insurance Products, Part 2 — New York Statutory Requirements for Life Policies, Part 2A — Beneficiary Designations and Ownership, Part 3 — Life Insurance Riders, Part 4 — Non-Forfeiture Options.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 3: Life Insurance Products, Policy Provisions, Riders, and Nonforfeiture.
• -Apply the lesson's rules to realistic New York Life, Accident & Health Prelicensing (40-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: Annuities, A&H Products, Underwriting, and Regulation 187. Section topics include: Learning Objectives, Part 1: Annuities — Structure, Types, and Economic Purpose, Part 2: Accumulation Phase vs. Annuitization Phase, Part 3: New York Statutory Provisions for Annuities, Part 4: Regulation 187 — The Best Interest Standard, Part 5: Surrender Charges, MVA, Free-Withdrawal Corridor, and Free Look.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 4: Annuities, A&H Products, Underwriting, and Regulation 187.
• -Apply the lesson's rules to realistic New York Life, Accident & Health Prelicensing (40-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 5: Medicare, Medigap, Medicaid, Social Security, and Group Coverage. Section topics include: Learning Objectives, Part 1: Medicare — The Federal Program for Seniors and the Disabled, Part 2: Medicare Supplement (Medigap) — Federal and New York Rules, Part 3: Medicaid in New York and the EPIC Program, Part 4: Social Security Disability Insurance and Supplemental Security Income, Part 5: Group Life Insurance — Eligibility and Policy Requirements.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 5: Medicare, Medigap, Medicaid, Social Security, and Group Coverage.
• -Apply the lesson's rules to realistic New York Life, Accident & Health Prelicensing (40-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 6: Producer Conduct, Replacement, Claims, Cybersecurity, and Final Review. Section topics include: Learning Objectives, PART I — LICENSE DISCIPLINE: INSURANCE LAW §2110, PART II — MISREPRESENTATION, ADVERTISING, AND SOLICITATION, PART III — COMMISSION SHARING AND REBATING, PART IV — UNFAIR CLAIMS SETTLEMENT: §2601 AND 11 NYCRR PART 216 (REGULATION 64), PART V — REPLACEMENT: REGULATION 60 (11 NYCRR PART 51).

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 6: Producer Conduct, Replacement, Claims, Cybersecurity, and Final Review.
• -Apply the lesson's rules to realistic New York Life, Accident & Health Prelicensing (40-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.