Insurance Exam Prep

By Ran Chen, EA, CFP®

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Episodes: 208

Description

Insurance Exam Prep is a daily podcast designed to help future insurance professionals pass their licensing exams with clarity and confidence. Built and operated by OpenExamPrep, this podcast breaks down insurance licensing exams into focused, easy-to-digest episodes covering Life Insurance, Health Insurance, and Property & Casualty, across both the national portion and state-specific requirements. Each episode targets one key concept, common exam trap, or high-frequency test topic—making it ideal for studying during commutes, workouts, or short study sessions. Created by Ran Chen, EA, CFP®, a financial professional and exam specialist who has personally passed multiple professional licensing exams, Insurance Exam Prep was developed from firsthand experience with how complex—and often poorly taught—insurance exam material can be. The goal is simple: make insurance exam preparation clearer, more accessible, and more effective through structured explanations and modern learning tools. Whether you’re preparing for a Life, Health, or P&C exam, just starting your licensing journey, or reviewing before test day, this podcast is designed to guide you step by step—one concept at a time. Free practice tools, AI-powered explanations, and additional exam prep resources are available at: https://open-exam-prep.com/

Episode Date
Property & Casualty Exam Prep 66, Cancellation, Nonrenewal, and Policy Changes
Aug 07, 2026
Property & Casualty Exam Prep 65, Fair Credit Reporting Act and Privacy
Aug 06, 2026
Property & Casualty Exam Prep 64, Fraud, Misrepresentation, Concealment, and Warranties
Aug 05, 2026
Property & Casualty Exam Prep 63, Unfair Claims Settlement Practices
Aug 04, 2026
Property & Casualty Exam Prep 62, Unfair Trade Practices
Aug 03, 2026
Property & Casualty Exam Prep 61, Producer Licensing and Appointments
Aug 02, 2026
Property & Casualty Exam Prep 60, Producer Authority and Agency Law
Aug 01, 2026
Property & Casualty Exam Prep 59, Terrorism Risk Insurance Act
Jul 31, 2026
Property & Casualty Exam Prep 58, Cyber Liability and Data Breach Coverage
Jul 30, 2026
Property & Casualty Exam Prep 57, Farm, Crop, and Livestock Coverage
Jul 29, 2026
Property & Casualty Exam Prep 56, Ocean Marine and Inland Marine
Jul 28, 2026
Property & Casualty Exam Prep 55, Surety and Fidelity Bonds
Jul 27, 2026
Property & Casualty Exam Prep 54, Crime Insurance Basics
Jul 26, 2026
Property & Casualty Exam Prep 53, Workers Compensation Premiums and Classification
Jul 25, 2026
Property & Casualty Exam Prep 52, Workers Compensation Policy Parts
Jul 24, 2026
Property & Casualty Exam Prep 51, Workers Compensation Basics
Jul 23, 2026
Property & Casualty Exam Prep 50, Umbrella and Excess Liability
Jul 22, 2026
Property & Casualty Exam Prep 49, Professional Liability and Errors and Omissions
Jul 21, 2026
Property & Casualty Exam Prep 48, Products and Completed Operations Liability
Jul 20, 2026
Property & Casualty Exam Prep 47, CGL Limits and Aggregates
Jul 19, 2026
Property & Casualty Exam Prep 46, CGL Coverage C Medical Payments
Jul 18, 2026
Property & Casualty Exam Prep 45, CGL Coverage B Personal and Advertising Injury
Jul 17, 2026
Property & Casualty Exam Prep 44, CGL Coverage A
Jul 16, 2026
Property & Casualty Exam Prep 43, Commercial General Liability Overview
Jul 15, 2026
Property & Casualty Exam Prep 42, Builders Risk and Installation Floaters
Jul 14, 2026
Property & Casualty Exam Prep 41, Businessowners Policy
Jul 13, 2026
Property & Casualty Exam Prep 40, Commercial Package Policy and Monoline Policies
Jul 12, 2026
Property & Casualty Exam Prep 39, Equipment Breakdown Coverage
Jul 11, 2026
Property & Casualty Exam Prep 38, Business Income and Extra Expense
Jul 10, 2026
Property & Casualty Exam Prep 37, Causes of Loss Forms
Jul 09, 2026
Property & Casualty Exam Prep 36, Commercial Property Policy Basics
Jul 08, 2026
Property & Casualty Exam Prep 35, Garagekeepers and Auto Dealers Coverage
Jul 07, 2026
Property & Casualty Exam Prep 34, Commercial Auto and Business Auto Coverage
Jul 06, 2026
Property & Casualty Exam Prep 33, Personal Auto Exclusions
Jul 05, 2026
Property & Casualty Exam Prep 32, Personal Auto Physical Damage
Jul 04, 2026
Property & Casualty Exam Prep 31, Uninsured and Underinsured Motorist Coverage
Jul 03, 2026
Property & Casualty Exam Prep 30, Personal Auto Medical Payments and PIP
Jul 02, 2026
Property & Casualty Exam Prep 29, Personal Auto Liability Coverage
Jul 01, 2026
Property & Casualty Exam Prep 28, Personal Auto Policy Overview
Jun 30, 2026
Property & Casualty Exam Prep 27, Earthquake, Windstorm, Watercraft, and Mobile Home Coverage
Jun 29, 2026
Property & Casualty Exam Prep 26, National Flood Insurance Program Basics
Jun 28, 2026
Property & Casualty Exam Prep 25, Personal Articles, Inland Marine, and Floaters
Jun 27, 2026
Property & Casualty Exam Prep 24, Dwelling Policy Perils and Loss Settlement
Jun 26, 2026
Property & Casualty Exam Prep 23, Dwelling Policies DP-1, DP-2, and DP-3
Jun 25, 2026
Property & Casualty Exam Prep 22, Homeowners Special Limits and Scheduled Property
Jun 24, 2026
Property & Casualty Exam Prep 21, Homeowners Exclusions
Jun 23, 2026
Property & Casualty Exam Prep 20, Homeowners Perils and Open Perils
Jun 22, 2026
Property & Casualty Exam Prep 19, Homeowners Section II Liability Coverages
Jun 21, 2026
Property & Casualty Exam Prep 18, Homeowners Section I Property Coverages
Jun 20, 2026
Property & Casualty Exam Prep 17, Homeowners Forms HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8
Jun 19, 2026
Property & Casualty Exam Prep 16, Damages and Supplementary Payments
Jun 18, 2026
Property & Casualty Exam Prep 15, Types of Liability
Jun 17, 2026
Property & Casualty Exam Prep 14, Negligence and Liability Basics
Jun 16, 2026
Property & Casualty Exam Prep 13, Appraisal, Arbitration, and Assignment
Jun 15, 2026
Property & Casualty Exam Prep 12, Other Insurance and Subrogation
Jun 14, 2026
Property & Casualty Exam Prep 11, Exclusions and Endorsements
Jun 13, 2026
Property & Casualty Exam Prep 10, Conditions, Duties, and Proof of Loss
Jun 12, 2026
Property & Casualty Exam Prep 9, Policy Structure and Declarations
Jun 11, 2026
Property & Casualty Exam Prep 8, Binders and Temporary Insurance
Jun 10, 2026
Property & Casualty Exam Prep 7, Deductibles, Limits, and Coinsurance
Jun 09, 2026
Property & Casualty Exam Prep 6, Proximate Cause and Concurrent Causation
Jun 08, 2026
Property & Casualty Exam Prep 5, Actual Cash Value and Replacement Cost
Jun 07, 2026
Property & Casualty Exam Prep 4, Insurable Interest and Indemnity
Jun 06, 2026
Property & Casualty Exam Prep 3, Risk Management Methods
Jun 05, 2026
Property & Casualty Exam Prep 2, Law of Large Numbers and Insurable Risk
Jun 04, 2026
Property & Casualty Exam Prep 1, Risk, Peril, Hazard, and Loss
Jun 03, 2026
[Health Insurance] 67, Tax Treatment of LTC Insurance and HSA Distributions
Jun 02, 2026
[Health Insurance] 66, Tax Treatment of Employer-Provided Health Insurance and Disability Benefits
Jun 01, 2026
[Health Insurance] 65, Tax Treatment of Individual Health Insurance Premiums
May 31, 2026
[Health Insurance] 64, Dental and Vision Insurance Plans
May 30, 2026
[Health Insurance] 63, Critical Illness and Hospital Indemnity Plans
May 29, 2026
[Health Insurance] 62, Accidental Death and Dismemberment Insurance
May 28, 2026
[Health Insurance] 61, Mental Health Parity and Addiction Equity Act
May 27, 2026
[Health Insurance] 60, Flexible Spending Accounts and Health Reimbursement Arrangements
May 26, 2026
[Health Insurance] 59, Health Savings Accounts HSAs
May 25, 2026
[Health Insurance] 58, Section 125 Cafeteria Plans
May 24, 2026
[Health Insurance] 57, ERISA Federal Regulation of Employee Benefits
May 23, 2026
[Health Insurance] 56, HIPAA Portability and Privacy Rules
May 22, 2026
[Health Insurance] 55, COBRA Qualifying Events and Election Timelines
May 21, 2026
[Health Insurance] 54, COBRA Continuation Coverage
May 20, 2026
[Health Insurance] 53, Group Health Insurance Fundamentals
May 19, 2026
[Health Insurance] 52, ACA Consumer Protections and No Surprises Act
May 18, 2026
[Health Insurance] 51, Marketplace and Metal Tier Plans
May 17, 2026
[Health Insurance] 50, Essential Health Benefits Under the ACA
May 16, 2026
[Health Insurance] 49, Affordable Care Act Overview and Key Provisions
May 15, 2026
[Health Insurance] 48, Workers Compensation and Health Insurance
May 14, 2026
[Health Insurance] 47, CHIP and Other Government Health Programs
May 13, 2026
[Health Insurance] 46, Medicaid Eligibility and Benefits
May 12, 2026
[Health Insurance] 45, Medicare Enrollment Periods and Late Enrollment Penalties
May 11, 2026
[Health Insurance] 44, Medicare Supplement Medigap Policies
May 10, 2026
[Health Insurance] 43, Medicare Part D Prescription Drug Coverage
May 09, 2026
[Health Insurance] 42, Medicare Part C Medicare Advantage Plans
May 08, 2026
[Health Insurance] 41, Medicare Part B Medical Insurance
May 07, 2026
[Health Insurance] 40, Medicare Part A Hospital Insurance
May 06, 2026
[Health Insurance] 39, Medicare Overview and Eligibility
May 05, 2026
[Health Insurance] 38, LTC Partnership Programs and Consumer Protections
May 04, 2026
[Health Insurance] 37, Tax-Qualified vs Non-Tax-Qualified LTC Policies
May 03, 2026
[Health Insurance] 36, LTC Elimination Period Benefit Period and Inflation Protection
May 02, 2026
[Health Insurance] 35, Benefit Triggers and Activities of Daily Living
May 01, 2026
[Health Insurance] 34, Long-Term Care Insurance Fundamentals
Apr 30, 2026
[Health Insurance] 33, Business Uses of Disability Insurance
Apr 29, 2026
[Health Insurance] 32, Disability Income Riders and Additional Benefits
Apr 28, 2026
[Health Insurance] 31, Residual and Partial Disability Benefits
Apr 27, 2026
[Health Insurance] 30, Elimination Period and Benefit Period for Disability
Apr 26, 2026
[Health Insurance] 29, Own Occupation vs Any Occupation Definition of Disability
Apr 25, 2026
[Health Insurance] 28, Short-Term vs Long-Term Disability Insurance
Apr 24, 2026
[Health Insurance] 27, Disability Income Insurance Fundamentals
Apr 23, 2026
[Health Insurance] 26, Misstatement of Age and Other Insurance Provisions
Apr 22, 2026
[Health Insurance] 25, Optional Uniform Provisions Overview
Apr 21, 2026
[Health Insurance] 24, Legal Actions and Change of Beneficiary Provisions
Apr 20, 2026
[Health Insurance] 23, Payment of Claims and Physical Examination
Apr 19, 2026
[Health Insurance] 22, Proof of Loss and Time of Payment of Claims
Apr 18, 2026
[Health Insurance] 21, Notice of Claim and Claim Forms Provisions
Apr 17, 2026
[Health Insurance] 20, Grace Period and Reinstatement Provisions
Apr 16, 2026
[Health Insurance] 19, Entire Contract and Time Limit on Certain Defenses
Apr 15, 2026
[Health Insurance] 18, Mandatory Uniform Provisions Overview
Apr 14, 2026
[Health Insurance] 17, Provider Reimbursement Methods
Apr 13, 2026
[Health Insurance] 16, Point of Service Plans and Exclusive Provider Organizations
Apr 12, 2026
[Health Insurance] 15, Preferred Provider Organizations PPOs
Apr 11, 2026
[Health Insurance] 14, Health Maintenance Organizations HMOs
Apr 10, 2026
[Health Insurance] 13, Common Exclusions and Limitations
Apr 09, 2026
[Health Insurance] 12, Coordination of Benefits
Apr 08, 2026
[Health Insurance] 11, Usual Customary and Reasonable Charges
Apr 07, 2026
[Health Insurance] 10, Out-of-Pocket Maximum and Stop-Loss Provisions
Apr 06, 2026
[Health Insurance] 9, Comprehensive Major Medical Plans
Apr 05, 2026
[Health Insurance] 8, Major Medical Insurance
Apr 04, 2026
[Health Insurance] 7, Basic Medical Expense Insurance
Apr 03, 2026
[Health Insurance] 6, Cost Sharing Basics
Apr 02, 2026
[Health Insurance] 5, Indemnity Plans vs Managed Care Plans
Apr 01, 2026
[Health Insurance] 4, Renewability Provisions
Mar 31, 2026
[Health Insurance] 3, Types of Health Insurers
Mar 30, 2026
[Health Insurance] 2, Individual vs Group Health Insurance
Mar 29, 2026
[Health Insurance] 1, Introduction and Types of Health Losses
Mar 28, 2026
Life Insurance Exam [National] 74 – Employer-Sponsored Retirement Plans Explained
Mar 21, 2026
Life Insurance Exam [National] 73 – Individual Retirement Accounts Explained
Mar 20, 2026
Life Insurance Exam [National] 72 – Qualified vs Non-Qualified Plans Explained
Mar 19, 2026
Life Insurance Exam [National] 71 – Transfer-for-Value Rule Explained
Mar 18, 2026
Life Insurance Exam [National] 70 – Annuity Taxation LIFO and Exclusion Ratio Explained
Mar 17, 2026
Life Insurance Exam [National] 69 – Section 1035 Tax-Free Exchanges Explained
Mar 16, 2026
Life Insurance Exam [National] 68 – Modified Endowment Contracts and 7-Pay Test Explained
Mar 15, 2026
Life Insurance Exam [National] 67 – Taxation of Cash Value and Policy Loans Explained
Mar 14, 2026
Life Insurance Exam [National] 66 – Income Taxation of Death Benefits Explained
Mar 13, 2026
Life Insurance Exam [National] 65 – Annuity Suitability Requirements Explained
Mar 12, 2026
Life Insurance Exam [National] 64 – Surrender Charges and Free Withdrawal Explained
Mar 11, 2026
Life Insurance Exam [National] 63 – Annuity Payout Options Explained
Mar 10, 2026
Life Insurance Exam [National] 62 – Indexed Annuities Explained
Mar 09, 2026
Life Insurance Exam [National] 61 – Variable Annuities Explained
Mar 08, 2026
Life Insurance Exam [National] 60 – Fixed Annuities Explained
Mar 07, 2026
Life Insurance Exam [National] 59 – Immediate vs Deferred Annuities Explained
Mar 06, 2026
Life Insurance Exam [National] 58 – Accumulation Phase vs Annuitization Phase Explained
Mar 05, 2026
Life Insurance Exam [National] 57 – Annuity Basics and Purpose Explained
Mar 04, 2026
Life Insurance Exam [National] 56 – Dividends and Dividend Options Explained
Mar 03, 2026
Life Insurance Exam [National] 55 – Other Common Riders Explained
Mar 02, 2026
Life Insurance Exam [National] 54 – Guaranteed Insurability Rider Explained
Mar 01, 2026
Life Insurance Exam [National] 53 – Accelerated Death Benefit Rider Explained
Feb 28, 2026
Life Insurance Exam [National] 52 – Waiver of Premium Rider Explained
Feb 27, 2026
Life Insurance Exam [National] 51 – Policy Loans and Automatic Premium Loan Explained
Feb 26, 2026
Life Insurance Exam [National] 50 – Extended Term Insurance Option Explained
Feb 25, 2026
Life Insurance Exam [National] 49 – Reduced Paid-Up Insurance Option Explained
Feb 24, 2026
Life Insurance Exam [National] 48 – Cash Surrender Value Option Explained
Feb 23, 2026
Life Insurance Exam [National] 47 – Settlement Options Explained
Feb 22, 2026
Life Insurance Exam [National] 46 – Beneficiary Types and Designations Explained
Feb 21, 2026
Life Insurance Exam [National] 45 – Entire Contract Provision Explained
Feb 20, 2026
Life Insurance Exam [National] 44 – Misstatement of Age or Gender Provision Explained
Feb 19, 2026
Life Insurance Exam [National] 43 – Suicide Clause Explained
Feb 18, 2026
Life Insurance Exam [National] 42 – Incontestability Clause Explained
Feb 17, 2026
Life Insurance Exam [National] 41 – Reinstatement Provision Explained
Feb 16, 2026
Life Insurance Exam [National] 40 – Grace Period Provision Explained
Feb 15, 2026
Life Insurance Exam [National] 39 – Joint Life and Survivorship Life Insurance Explained
Feb 14, 2026
Life Insurance Exam [National] 38 – Credit Life Insurance Explained
Feb 13, 2026
Life Insurance Exam [National] 37 – Group Life Insurance Explained
Feb 12, 2026
Life Insurance Exam [National] 36 – Indexed Universal Life Insurance Explained
Feb 11, 2026
Life Insurance Exam [National] 35 – Variable Universal Life Insurance Explained
Feb 10, 2026
Life Insurance Exam [National] 34 – Variable Life Insurance Explained
Feb 09, 2026
Life Insurance Exam [National] 33 – Universal Life Insurance Explained
Feb 08, 2026
Life Insurance Exam [National] 32 – Limited Pay and Single Premium Whole Life Explained
Feb 07, 2026
Life Insurance Exam [National] 31 – Whole Life Insurance Explained
Feb 06, 2026
Life Insurance Exam [National] 30 – Renewable and Convertible Term Insurance Explained
Feb 05, 2026
Life Insurance Exam [National] 29 – Term Life Insurance Variations Explained
Feb 04, 2026
Life Insurance Exam [National] 28 – Term Life Insurance Fundamentals Explained
Feb 03, 2026
Life Insurance Exam [National] 27 – Personal and Business Uses of Life Insurance Explained
Feb 02, 2026
Life Insurance Exam [National] 26 – Premium Factors and Determination Explained
Feb 01, 2026
Life Insurance Exam [National] 25 – Risk Classification Categories Explained
Jan 31, 2026
Life Insurance Exam [National] 24 – Life Insurance Underwriting Process Explained
Jan 30, 2026
Life Insurance Exam [National] 23 – Mortality Tables and Actuarial Concepts Explained
Jan 29, 2026
Life Insurance Exam [National] 22 – Needs Approach to Life Insurance Explained
Jan 28, 2026
Life Insurance Exam [National] 21 – Human Life Value Concept Explained
Jan 27, 2026
Life Insurance Exam [National] 20 – Purpose of Life Insurance Explained
Jan 26, 2026
Life Insurance Exam [National] 19 – Waiver and Estoppel Explained
Jan 25, 2026
Life Insurance Exam [National] 18 – Concealment Misrepresentation and Fraud Explained
Jan 24, 2026
Life Insurance Exam [National] 17 – Representations vs Warranties Explained
Jan 23, 2026
Life Insurance Exam [National] 16 – Unique Characteristics of Insurance Contracts Explained
Jan 22, 2026
Life Insurance Exam [National] 15 – Elements of Valid Insurance Contract Explained
Jan 21, 2026
Life Insurance Exam [National] 14 – Insurable Interest Explained
Jan 20, 2026
Life Insurance Exam [National] 13 – Law of Large Numbers Explained
Jan 19, 2026
Life Insurance Exam [National] 12 – Risk Management and Types of Risk Explained
Jan 18, 2026
Life Insurance Exam [National] 11 – Insurance Fraud Explained
Jan 17, 2026
Life Insurance Exam [National] 10 – Insurance Guaranty Associations Explained
Jan 16, 2026
Life Insurance Exam [National] 09 – Free Look Period Provisions Explained
Jan 15, 2026
Life Insurance Exam [National] 08 – Policy Replacement Regulations Explained
Jan 14, 2026
Life Insurance Exam [National] 07 – Unfair Claims Settlement Practices Explained
Jan 13, 2026
Life Insurance Exam [National] 06 – Unfair Trade Practices Explained
Jan 12, 2026
Life Insurance Exam [National] 05 – Continuing Education Requirements Explained
Jan 11, 2026
Life Insurance Exam [National] 04 – Lines of Authority and License Types Explained
Jan 10, 2026
Life Insurance Exam [National] 03 – Producer Licensing Requirements Explained
Jan 09, 2026
Life Insurance Exam [National] 02 – Types of Insurance Organizations Explained
Jan 08, 2026
Life Insurance Exam [National] 01 – NAIC and Model Laws Explained
Jan 07, 2026
Life Insurance Exam [National] 00 – State Insurance Commissioner Explained
Jan 04, 2026