Curriculum: New York Life Agent/Broker Prelicensing (20-Hour)

Lesson 1: Orientation, NY Life License Law, and Insurance Contracts. Section topics include: SECTION 1 — COURSE WELCOME AND EXAM ORIENTATION, SECTION 2 — NEW YORK DFS REGULATORY FRAMEWORK, SECTION 3 — PRODUCER DEFINITIONS (§2101), SECTION 4 — PROHIBITION ON UNLICENSED ACTIVITY (§2102), SECTION 5 — LICENSE TYPES FOR LIFE PRODUCERS (§2103), SECTION 6 — REVOCATION AND SUSPENSION (§2110).

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 1: Orientation, NY Life License Law, and Insurance Contracts.
• -Apply the lesson's rules to realistic New York Life 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: Life Insurance Products and Standard Policy Provisions. Section topics include: Lesson 2 Overview and Learning Objectives, Part 1 — Term Life Insurance, Part 2 — Whole Life Insurance, Part 3 — Universal Life Insurance, Part 4 — Variable Life and Variable Universal Life, Part 5 — Indexed Universal Life (IUL).

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 2: Life Insurance Products and Standard Policy Provisions.
• -Apply the lesson's rules to realistic New York Life 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: Annuities, Underwriting, Group Life, and Business/Estate Planning. Section topics include: Lesson 3 Overview and Learning Objectives, Section A — Annuity Fundamentals, Section B — Life Insurance Underwriting, Section C — Group Life Insurance, Section D — Business Uses of Life Insurance, Section E — Personal Uses of Life Insurance.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 3: Annuities, Underwriting, Group Life, and Business/Estate Planning.
• -Apply the lesson's rules to realistic New York Life 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: New York Life Insurance Law, Ethics, and Mock Final Examination. Section topics include: Lesson 4 Overview and Learning Objectives, Part 1: Producer Licensing — Revocation, Suspension, and Discipline, Part 2: Market Conduct — Misrepresentation, Advertising, and Unfair Practices, Part 3: Commission Sharing, Rebating, and Anti-Discrimination, Part 4: Unfair Claims and Fair Marketing for Life Insurance, Part 5: Regulation 60 — Life and Annuity Replacement.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 4: New York Life Insurance Law, Ethics, and Mock Final Examination.
• -Apply the lesson's rules to realistic New York Life 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.