DC Cheat Sheet 2026

The 30 highest-yield DC facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. Which Medigap plan covers 50% of the Medicare Part A deductible for DC policyholders? → Plan K
2. What does a Commercial General Liability (CGL) policy primarily cover? → Bodily injury and property damage liability to third parties
3. Under DC workers' compensation law, temporary total disability (TTD) benefits are typically calculated as what percentage of the employee's average weekly wage? → 66⅔%
4. A DC universal life insurance policy allows the policyowner to do which of the following? → Adjust the death benefit and premium payments within certain limits
5. What insurance covers a DC law firm for claims arising from its attorneys' professional negligence? → Errors and omissions (E&O) / professional liability insurance
6. A DC long-term care insurance policy that covers care in a nursing facility, assisted living facility, and at home is best described as: → A comprehensive (integrated) LTC policy
7. Which DC life insurance policy provision requires the insurer to continue coverage for a limited time after a premium is missed? → Grace period provision
8. In DC, uninsured motorist (UM) coverage must be offered in what minimum amount? → Equal to liability limits
9. Under DC insurance regulations, agents selling annuities to seniors (typically age 65+) must follow enhanced suitability standards primarily because: → Seniors are a protected class more vulnerable to unsuitable or high-pressure sales tactics
10. Which DC auto insurance coverage pays for damage to your own vehicle regardless of fault? → Collision coverage
11. In DC, which of the following injuries would typically NOT be covered under workers' compensation? → An injury sustained while commuting to work on a normal day
12. Under DC insurance regulations, annuity contracts sold by insurers must include a free-look period of at least: → 10 days
13. Which provision in a DC commercial property policy requires the insured to take reasonable steps to protect property from further damage after a loss? → Duties after loss provision
14. Which term describes the total loss settlement method where the insurer pays the actual cash value of the destroyed vehicle? → Actual cash value (ACV) settlement
15. Which Medicare Supplement plan available in DC covers foreign travel emergency care (up to plan limits)? → Plans C, D, F, G, M, and N
16. What does Medicare Part A cover for DC beneficiaries? → Hospital inpatient care, skilled nursing facility care, and hospice
17. Which coverage would a DC tech startup need to cover data breaches and cyber attacks? → Cyber liability insurance
18. Which section of a standard homeowners policy (HO-3) covers the policyholder's personal property worldwide? → Coverage C – Personal Property
19. What is the maximum civil penalty DISB may impose on a licensed producer for a single violation of DC insurance law? → $10,000
20. Which DC property coverage pays for loss or damage to goods in transit by a motor carrier? → Motor truck cargo insurance
21. Products-completed operations coverage under a CGL policy applies to: → Products or completed work after they have left the insured's control
22. Which of the following agent behaviors is required under DC's duty of good faith and fair dealing? → Fully disclosing all material facts about a policy to a prospective client
23. The first Blue Cross policy was introduced by? → Baylor University in Dallas Texas
24. Which homeowners policy form is designed specifically for renters who do not own the building they occupy? → HO-4
25. A DC insurer consistently denies valid claims to boost profits. This pattern could expose the insurer to which legal action beyond regulatory fines? → A bad faith lawsuit with potential punitive damages
26. Which of the following risks in DC would NOT typically require surplus lines placement? → A standard 3-bedroom homeowner's property in a low-risk DC neighborhood
27. What is the DC surplus lines premium tax rate, and who is responsible for remitting it? → 3% of gross premium; remitted by the DC surplus lines broker
28. A DC insurance producer license must be renewed every how many years? → 2 years
29. An insured's auto policy lapses due to non-payment. What is the minimum advance notice an insurer must give before cancellation in DC? → 10 days
30. The 'elimination period' in a DC disability income policy functions similarly to: → A waiting period before benefits begin, similar to a deductible