Specific examination requirements

1. An applicant applying to conduct insurance in the following lines must pass the following examinations: a. Life and annuity Life and annuity b. Accident and health Accident and health c. Property Property d. Casualty Casualty e. Variable life and annuity Life and annuity 2. An applicant applying for a license for title insurance is exempt from any examination requirement but must meet the following qualifications: a. The applicant must be a licensed abstracter or attorney; or b. The applicant must have a minimum of eighty hours of training provided by an insurer licensed in the line of title insurance. A certification by the insurer that the training has been completed must accompany the application. 3. An applicant for a license to write travel and baggage insurance coverage for trip cancellation, trip interruption, baggage, life, sickness and accident, disability, and personal effects when limited to a specific trip and sold in connection with transportation provided by a common carrier is exempt from examination requirements. 4. An applicant for a license with the line of authority of surety shall take and pass the casualty examination. Surety coverage is insurance or a bond that covers obligations to pay the debts of or answer for the default of another, including faithlessness in a position of public or private trust, but not including bail bonds. 5. An applicant for a license to write the following products need only take the reduced examination required for that specific product: a. Bail bonds. b. Credit including credit life, credit disability, credit property, credit unemployment, involuntary unemployment, mortgage life, mortgage guaranty, mortgage disability, guaranteed automobile protection insurance, and any other form of insurance offered in connection with an extension of credit that is limited to partially or wholly extinguishing that credit obligation that the insurance commissioner determines should be designated a form of credit insurance. c. Crop or crop hail. Crop or crop hail insurance is insurance providing protection against damage to crops from unfavorable weather conditions, fire or lightning, flood, hail, insect infestation, disease or other yield-reducing conditions, or perils provided by the private insurance market, or that is subsidized by the federal crop insurance corporation, including multiperil crop insurance. d. Legal expense, including prepaid legal service. e. Personal lines. Personal lines is property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes. 6. An applicant for a consultant’s license shall take and pass the insurance producer’s examination for the lines in which the applicant seeks to consult. If an applicant for a consultant’s license holds a North Dakota insurance producer’s license, the applicant is exempt from the testing requirements for the lines held on the insurance producer’s license within the twelve months preceding the date on which the consultant application is filed with the commissioner. However, the applicant must cancel the insurance producer’s license prior to obtaining a consultant’s license.