IIC C130 exam : Essential Skills for the Insurance Broker and Agent

Exam Code: C130
Exam Name: Essential Skills for the Insurance Broker and Agent
Updated: Oct 03, 2026
Q & A: 79 Questions and Answers

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IIC C130 Exam Syllabus Topics:

Section	Objectives
Topic 1: Insurance Distribution Systems	- Agent vs broker roles and responsibilities - Distribution models (independent agency, brokerage, direct writers)
Topic 2: Insurance Fundamentals and Risk Concepts	- Nature of risk (pure vs speculative risk) - Insurance principles and contract basics
Topic 3: Insurance Products and Markets	- Commercial and personal lines overview - Property and casualty insurance basics
Topic 4: Broker and Agent Practice Skills	- Policy placement and insurer interaction - Client communication and advisory skills
Topic 5: Legal and Regulatory Framework	- Law of agency and fiduciary duty - Ethical standards and professional conduct

IIC Essential Skills for the Insurance Broker and Agent Sample Questions:

Question #1

Miro's vehicle and Stephanie's vehicle collide with each other in New Brunswick. Neither of them has loss or damage coverage, also known as collision coverage. The chart shows the physical damage and assigned fault.
How would the payment be apportioned?
Driver | Physical Damage | Fault Percent
Miro | $4,000 | 50%
Stephanie | $2,000 | 50%

A. Miro can collect $4,000 from his insurer; Stephanie can collect $2,000 from her insurer. Miro's insurer will subrogate against Stephanie's insurer for $2,000 and Stephanie's insurer will subrogate against Miro's insurer for $1,000.
B. Miro can collect $2,000 from his insurer; Stephanie can collect $1,000 from her insurer.
C. Miro can collect $2,000 from his insurer and $1,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $500 from Miro's insurer.
D. Miro can collect $2,000 from his insurer and $2,000 from Stephanie's insurer; Stephanie can collect
$1,000 from her insurer and $1,000 from Miro's insurer.

Reveal Solution Discussion 0

Correct Answer: B 🗳️