IIC C130 Q&A - in .pdf
- Exam Code: C130
- Exam Name: Essential Skills for the Insurance Broker and Agent
- Updated: Oct 09, 2026
- Q & A: 79 Questions and Answers
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- Exam Code: C130
- Exam Name: Essential Skills for the Insurance Broker and Agent
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- Updated: Oct 09, 2026
- Q & A: 79 Questions and Answers
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- Exam Code: C130
- Exam Name: Essential Skills for the Insurance Broker and Agent
- Updated: Oct 09, 2026
- Q & A: 79 Questions and Answers
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IIC C130 Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Sales and Client Needs | 10% | - Risk identification - Client consultation - Insurance solutions |
| From Quote to Policy | 10% | - Policy issuance and delivery - Quotation and binding authority - Policy structure and components |
| Property Insurance Exposures | 10% | - Personal property risks - Exposures and perils - Small commercial property risks |
| Liability Insurance | 12% | - Commercial general liability - Personal liability coverages - Legal liability concepts |
| Communication and Service Skills | 8% | - Policy changes and endorsements - Client communication - Record keeping |
| Claims Handling | 8% | - Broker's role in claims - Claim reporting process - Settlement and subrogation |
| The Application Process | 10% | - Completing applications - Underwriting considerations - Duty of disclosure |
| Automobile Insurance | 10% | - Mandatory and optional coverages - Rating and policy issues - Provincial variations |
| Property Insurance Wordings | 12% | - Common policy forms - Valuation methods - Coverages and exclusions |
| Insurance and the Intermediary | 10% | - Licensing and regulation - Roles of brokers and agents - Legal duties and ethics |
IIC Essential Skills for the Insurance Broker and Agent Sample Questions:
Jim owns a metal factory. Which question should Jim's broker ask to best understand the commercial occupancy of the company?
- A. Is your factory left unattended for long periods of time?
- B. How is your factory protected against fire?
- C. What does a typical day look like in your factory?
- D. What is the total number of your staff?
Correct Answer: C 🗳️
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Brenda works as a property and casualty underwriter in an industry that has some staged claims. Her accounts have a poor loss ratio and she has been put on a performance plan. She recently shadowed a senior broker for training purposes. He advised her on qualifying the client to establish whether the client and the brokerage can form a mutually beneficial business relationship.
She has just been approached by a new client, who would be the largest client in her portfolio. Describe what Brenda should keep in mind for her process regarding this client. How can Brenda qualify the client? Provide two questions she could ask if she suspects a moral hazard.
Correct Answer:
See the solution in Explanation below:
Explanation:
Brenda should not accept the client only because the account is large. A large client may produce significant premium, but it may also bring serious underwriting, claims, moral hazard, and errors and omissions risk.
Since Brenda's accounts already have a poor loss ratio and the industry has some staged claims, she must qualify the client carefully before treating the account as a good business opportunity. Qualifying the client means determining whether the client's needs, risk profile, attitude toward risk, claims history, and expectations match the brokerage's and insurer's ability to provide suitable coverage. The course logic is that an intermediary should understand how to differentiate service by knowing the client's current insurance arrangements and needs.
Brenda should begin by gathering complete underwriting information. She should identify the client's operations, ownership structure, property values, liability exposures, prior insurers, loss history, risk controls, financial stability, and reason for seeking new coverage. She should also consider whether the client is being transparent and whether the requested coverage is reasonable for the exposure. Under the principle of utmost good faith, full disclosure of material information is required from the applicant. Brenda should not rely only on the attractiveness of the premium. She should ask open-ended questions, verify details, document all answers, and be alert to inconsistencies between the client's story, prior claims, business operations, and requested limits.
To qualify the client, Brenda can ask questions such as: What insurance coverage do you currently have, and why are you considering changing brokers or insurers? What losses or claims have you had in the past five years, including any incidents that did not result in payment? What risk controls do you have in place to prevent losses? What coverage problems, exclusions, or disputes have you experienced with previous insurers? What are your expectations regarding premium, deductibles, claims service, and coverage limits?
These questions help Brenda determine whether the account is profitable, insurable, and ethically suitable for the brokerage.
If Brenda suspects a moral hazard, she should ask direct but professional questions. First: "Have you had any previous claims denied, investigated, or disputed by an insurer? If yes, what were the circumstances?" Second: "Are there any financial pressures, business closures, unpaid loans, legal disputes, or operational changes that could affect the risk or the likelihood of a claim?" These questions are appropriate because moral hazard involves the possibility that the insured's character, honesty, financial condition, or conduct could increase the chance of a loss or exaggeration of a claim. If concerns remain, Brenda should seek additional documentation, consult underwriting management, and avoid binding or recommending coverage until the risk is properly understood.
What is the role of insurance intermediaries under the law of agency?
- A. Balance dual responsibilities to the insurers and to the insureds
- B. Act as third parties in insurance contracts
- C. Confirm with the insurers that all exposures are covered
- D. Issue policies on any risk agents deem insurable
Correct Answer: A 🗳️
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When closing a sale, what makes it easier for the intermediary to counter any objections raised by the client?
- A. Adopting assertive body language
- B. Using unusual and extremely serious claims examples
- C. Being aware of what is happening in the industry
- D. Employing passive listening
Correct Answer: C 🗳️
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When brokers are self-regulated, which body enacts the licensing laws?
- A. Federal government only
- B. Insurance company with which the intermediary places the majority of business
- C. Brokerage or agency in which the intermediary is employed
- D. Provincial or territorial government
Correct Answer: D 🗳️
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