(b) The first ten hours must be an introduction to insurance and insurance-related concepts covering all of the major lines of authority except variable life and variable annuities. The course must consist of the following:

1. (1) rules, regulations, and law;
2. (2) basic fundamentals of insurance;

3. (3) property:

   1. (i) types of policies;
   2. (ii) policy provisions;
   3. (iii) perils, exclusions, deductibles, and liability; and
   4. (iv) evaluating needs;

4. (4) casualty:

   1. (i) types of policies;
   2. (ii) policy provisions;
   3. (iii) perils, exclusions, deductibles, and liability; and
   4. (iv) evaluating needs;

5. (5) life:

   1. (i) types of policies;
   2. (ii) policy provisions; and
   3. (iii) group insurance; and

6. (6) accident and health:

   1. (i) types of policies;
   2. (ii) policy provisions; and
   3. (iii) group insurance.

(c) The second ten hours of insurance prelicense education must be composed of courses that cover a specific major line of authority and consist of the following:

1. (1) life:

   1. (i) types of life insurance policies; and
   2. (ii) Minnesota laws, rules, and regulations pertinent to life insurance;

2. (2) accident and health:

   1. (i) types of health insurance policies; and
   2. (ii) Minnesota laws, rules, and regulations pertinent to accident and health insurance;

3. (3) property:

   1. (i) personal lines;
   2. (ii) commercial lines; and
   3. (iii) Minnesota laws, rules, and regulations pertinent to property insurance.

4. (4) casualty:

   1. (i) personal lines;
   2. (ii) commercial lines; and
   3. (iii) Minnesota laws, rules, and regulations pertinent to casualty insurance; and

5. (5) personal lines:

   1. (i) types of property/casualty personal lines insurance policies; and
   2. (ii) Minnesota laws, rules, and regulations pertinent to property/casualty personal lines insurance.