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 PLCS PERSONAL LINES COVERAGE SPECIALIST 

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The National Underwriter Company is proud to offer the PLCS PERSONAL LINES COVERAGE SPECIALIST designation program. Created with the learning needs of new insurance producers, agents, managers, CSRs and corporate staff in mind, the PLCS is the most complete professional learning program available for industry professionals seeking to master the subject of personal lines coverage. The program was created by the staff of the renowned FC&S Bulletins.

Students completing the PLCS PERSONAL LINES COVERAGE SPECIALIST program have demonstrated extensive knowledge in a critical functional area of property and casualty insurance practice-insurance policy coverage, and will have applied that knowledge through real-life case study exercises.

Eligibility

One of the following qualifications is recommended for an individual to be eligible for the PLCS PERSONAL LINES COVERAGE SPECIALIST designation:

  • Licensed agent, broker, adjuster, CSR or solicitor
  • At least one year of full-time experience in the insurance industry or as a risk     management practitioner
  • Students of insurance academies authorized to confer the PLCS designation

Benefits

Holders of this designation enjoy the following benefits:

  • Holders of the industry’s only coverage-specific designation have demonstrated     advanced
    coverage expertise and career professionalism
  • Complete reference set of Personal Lines Coverage Guide books by the editors of
    The National Underwriter Company’s FC&S Bulletins
  • Industry recognition for advanced knowledge
  • Membership in the Coverage Specialist Council, an elite group of industry professionals
    offering exclusive networking and access to additional professional development     resources
  • Optional CE credits are available through completion of program courses


Curriculum

The PLCS PERSONAL LINES COVERAGE SPECIALIST curriculum is based on the most important document in the insurance industry: the insurance policy. Materials are adapted from expert insurance coverage materials produced by the staff of The FC&S Bulletins and Coverage Guide Series. The curriculum is presented through a study guide, four Coverage Guide books and five online Elearning courses.

Program Completion

Eligible candidates can earn the PLCS designation through a self-study program through The National Underwriter Company or through an authorized instructional academy.

Self-Study

  • Step 1: Score of 70% or better on each of the following PLCS Designation Exams:
     * Insurance Principles (Online Elearning course & Online Exam)
     * Homeowners (Online Elearning course, Coverage Guide & Online Exam)
     * Personal Auto (Online Elearning course, Coverage Guide & Online Exam)
     * Personal Umbrella (Online Elearning course, Coverage Guide & Online Exam)
     * Personal Lines Endorsements (Online Elearning course, Coverage Guide & Online Exam)
  • Step 2:Complete a Request for PLCS Designation form
  • Step 3: Mail the completed form with copies of the Results Page from each of the five Coverage Exams to:

The National Underwriter Co.
5081 Olympic Blvd
Erlanger, KY 41018
attn: Continuing Ed Dept.

Your PLCS PERSONAL LINES COVERAGE SPECIALIST certificate will be mailed to the address you provide on your Request Form. Please allow 5 to 7 business days for processing.

Authorized Insurance Academy

  • Step 1: Register as a student with an authorized insurance academy
  • Step 2: Complete the course of study as required by the provider, including satisfactory
    scores on program examinations
  • Step 3: The authorized provider will provide you with a Request for PLCS Designation     Form upon satisfactory completion of the course of study, and will forward the form to:

The National Underwriter Co.
5081 Olympic Blvd
Erlanger, KY 41018
attn: Continuing Ed Dept.


• Your PLCS PERSONAL LINES COVERAGE SPECIALIST certificate will be mailed to the address you provide on your Request Form. Please allow 5 to 7 business days for processing.

PLCS PERSONAL LINES COVERAGE SPECIALIST Designation Program Curriculum Outline

I. Study Guide

II. Insurance Coverage Fundamentals

    A. Coverage Principles
        1. The definition of insurance
        2. What is risk?
        3. Criteria of an ideally insurable exposure
        4. The concept of insurable interest

    B. Insurance Contract Principles
        1. The unique characteristics of an insurance contract
        2. The principle of indemnity
        3. Utmost good faith and the insurance contract
        4. Parts of the insurance contract: coverage grants; conditions; exclusions and             endorsements
        5. Purpose and use of the declarations page
        6. Analyzing the insurance contract

III. Personal Lines Insurance Policies

    A. The Personal Auto Policy
        1. Eligibility and underwriting the personal auto risk
        2. Definitions
        3. Liability coverage
        4. Medical payments coverage
        5. Uninsured motorists coverage
        6. Damage to the insured’s auto
        7. General conditions and provisions
        8. Personal auto policy endorsements
        9. Miscellaneous type vehicles coverage
        10. Nonowned coverage
        11. No-fault automobile coverage
        12. Financial responsibility and compulsory insurance laws
        13. Miscellaneous issues in personal auto insurance
        14. Case studies

    B. The Homeowners Policy Program
        1. Overview of homeowners coverage
        2. Coverage under the HO policy-what’s covered? (Coverage grants, additional                           coverages, limitations, and property not covered)
        3. Named perils
        4. Open perils and property coverage exclusions
        5. Conditions applying to property coverages
        6. Liability coverage and exclusions
        7. Liability conditions
        8. General policy conditions
        9. Other homeowners forms
       10. Common endorsements       
       11. Case studies

    C. The Personal Umbrella Policy
        1. Overview of umbrella coverage concepts
        2. Definitions
        3. Who is insured?
        4. The umbrella and motor vehicles
        5. Exclusions
        6. Conditions
        7. Case studies

    D. Personal Lines Endorsements
        1. Other insureds
        2. Business use
        3. Extreme events
        4. Increased limits and other coverages
        5. Driver exclusion and vehicle ownership
        6. Green upgrades and home-sharing