(a) All applicants for an Arkansas life line of authority are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following, as applicable:

1. (1) Introduction to insurance, one (1) hour;
2. (2) State insurance laws and rules, five (5) hours;
3. (3) Life insurance basics, five (5) hours;
4. (4) Life insurance policies, policy options, and policy provisions, five (5) hours;
5. (5) Annuity contracts, three (3) hours; and
6. (6) Ethics, one (1) hour.

(b) All applicants for an Arkansas accident and health or sickness (A&H) line of authority are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following, as applicable:

1. (1) Introduction to insurance, one (1) hour;
2. (2) State insurance laws and rules, five (5) hours;
3. (3) Health insurance policy provisions, three (3) hours;
4. (4) Disability income insurance, two (2) hours;
5. (5) Medical expense insurance, one (1) hour;
6. (6) Medicare supplement insurance, one (1) hour;
7. (7) Long-term care, two (2) hours;
8. (8) Social Security and Medicare, two (2) hours;
9. (9) Group insurance, one (1) hour;
10. (10) Health maintenance organizations, one (1) hour; and
11. (11) Ethics, one (1) hour.

(c) All applicants for a casualty line of authority are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following:

1. (1) Introduction to insurance, one (1) hour;
2. (2) State insurance laws and rules, five (5) hours;
3. (3) Ocean (wet marine) and inland marine insurance, one (1) hour;
4. (4) General liability insurance, two (2) hours;
5. (5) Automobile insurance and assigned risk plans, including personal (AIPSO) and commercial (CAIP), five (5) hours;
6. (6) Workers’ compensation and assigned risk plan, three (3) hours;
7. (7) Commercial crime insurance and fidelity bonds, one (1) hour;
8. (8) Surety bonds, one (1) hour; and
9. (9) Ethics, one (1) hour.

(d) All applicants for a property line of authority are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following:

1. (1) Introduction to insurance, one (1) hour;
2. (2) State insurance laws and rules, five (5) hours;
3. (3) Fire and allied lines, assigned risk plans (ARRUA), and Arkansas Earthquake Authority (AEA), four (4) hours;
4. (4) Homeowners policies and other multiple-line products, five (5) hours;
5. (5) National Flood Insurance Program, one-half (0.5) hour;
6. (6) Commercial property and commercial crime insurance, three (3) hours;
7. (7) Federal Crop Insurance Corporation (FCIC), one-half (0.5) hour; and
8. (8) Ethics, one (1) hour.

(e) All applicants for a personal line of authority (noncommercial), called "personal lines", are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following:

1. (1) Introduction to insurance, one (1) hour;
2. (2) State insurance laws and rules, five (5) hours;
3. (3) Fire and allied lines, including manufactured houses, and assigned risk plans (ARRUA) and Arkansas Earthquake Authority (AEA), two (2) hours;
4. (4) Homeowners policies and other multiple line products and assigned risk plans (ARRUA) and Arkansas Earthquake Authority (AEA), five (5) hours;
5. (5) Automobile insurance and assigned risk plans, five (5) hours;
6. (6) National Flood Insurance Program, one (1) hour; and
7. (7) Ethics, one (1) hour.

(f) All applicants for a property adjuster license are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following:

1. (1) Insurance concepts, risk, insurable interest, loss valuation, market value, stated value, salvage value, deductible, occurrence, negligence, and comparative fault, three (3) hours;
2. (2) General adjusting definitions, policies, binders, subrogation, value, appraisal, duties of the insured after a loss, first-party claimants, and third-party claimants, two and one-half (2.5) hours;
3. (3) General property definitions, polices, concurrent insurance, actual cash value, replacement cost, causation, and proof of loss, two and one-half (2.5) hours;
4. (4) General adjusting practices, liability, representation, investigation, and duties of the insurance company, two (2) hours;
5. (5) Arkansas property adjusting, loss settlement, total/partial loss, and coinsurance, two (2) hours;
6. (6) State insurance laws and rules, five (5) hours;
7. (7) Unfair claims settlement practices and unfair trade practices, two (2) hours; and
8. (8) Ethics, one (1) hour.

(g) All applicants for a casualty adjuster license are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following:

1. (1) Insurance concepts, risk, insurable interest, loss valuation, market value, stated value, salvage value, deductible, occurrence, negligence, and comparative fault, three (3) hours;
2. (2) General adjusting definitions, policies, binders, subrogation, value, appraisal, duties of the insured after a loss, proof of loss, first-party claimants, and third-party claimants three (3) hours;
3. (3) General property definitions, policies, concurrent insurance, actual cash value, replacement cost, and causation, two (2) hours;
4. (4) General adjusting practices, liability, representation, investigation, and duties of the insurance company, two (2) hours;
5. (5) Arkansas property adjusting, loss settlement, total/partial loss, and coinsurance, two (2) hours;
6. (6) State insurance laws and rules, five (5) hours;
7. (7) Unfair claims settlement practices and unfair trade practices, two (2) hours; and
8. (8) Ethics, one (1) hour.

(h) All applicants for a workers’ compensation insurance adjuster license are hereby required to complete a course of instruction with a minimum of twenty (20) hours of instruction that includes, but is not limited to, all of the following:

1. (1) Insurance concepts, risk, insurable interest, loss valuation, market value, stated value, salvage value, deductible, occurrence, negligence, comparative fault, two (2) hours;
2. (2) General adjusting definitions, policies, binders, subrogation, duties of the insured after a loss, proof of loss, two (2) hours;
3. (3) General workers’ compensation definitions, causation, bodily injury, prior injury, statements, burden of proof, waivers, employee, employer, independent contractor, certificate of noninsurance and waiting period, two (2) hours;
4. (4) General adjusting practices, liability, covered claim, representation, investigation, duties of the insurance company, three (3) hours;
5. (5) Arkansas workers’ compensation adjusting, Arkansas Workers’ Compensation Commission, wage determinations, hearing, medical examinations and settlements and awards, three (3) hours;
6. (6) State insurance laws and rules, five (5) hours);
7. (7) Unfair claims settlement practices and unfair trade practices, two (2) hours; and
8. (8) Ethics, one (1) hour.

(i) Exceptions. Notwithstanding the provisions of subsections (a) through (h) of this section, an applicant for a new license or additional line of authority shall be exempt from the:

1. (1)

   1. (A) Five (5) hours of state insurance laws and rules portion for life, accident/health/sickness, casualty, property, personal lines (noncommercial), property adjuster, casualty adjuster, and workers’ compensation adjuster if the applicant has successfully completed this portion of the prelicense education within two (2) years of the filing date of his or her application for a new license or additional line of authority.
   2. (B) This exemption or waiver is provided by Arkansas Code § 23-64-202; and
2. (2) One (1) hour of ethics course for life, accident/health/sickness, casualty, property, personal lines (noncommercial), property adjuster, casualty adjuster, and workers’ compensation adjuster if the applicant has successfully completed this portion of the prelicense education within two (2) years of the filing date of his or her application for a new license or additional line of authority.

(j)

1. (1) Subsections (a) through (i) of this section apply to both classroom and/or electronic courses of study.

2. (2) Education course providers shall:

   1. (A) File procedures with the State Insurance Department to illustrate how the electronic courses may be verified as self-study; and
   2. (B) Detail the exact length of time that the license applicant spends on the course.
3. (3) For classroom courses, the identity of the applicant and the length of time spent in that course must be monitored by the instructor in the classroom.