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PODCAST

Insurance Exam Prep

Ran Chen, EA, CFP®

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

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All Episodes

02:56

Property & Casualty Exam Prep 5, Actual Cash Value...

Insurance Exam Prep ·

2026/06/07

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The fundamental difference between Actual Cash Value (ACV) and Replacement Cost is depreciation. - How to calculate ACV using the formula: Replacement Cost -

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02:38

Property & Casualty Exam Prep 4, Insurable Interest...

Insurance Exam Prep ·

2026/06/06

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Insurable interest in Property & Casualty insurance must exist at the time of the loss. - The principle of indemnity means insurance restores you to your pre-loss

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03:09

Property & Casualty Exam Prep 3, Risk Management Methods

Insurance Exam Prep ·

2026/06/05

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The five primary methods of handling risk are Sharing, Transfer, Avoidance, Reduction, and Retention (STARR). - Purchasing an insurance policy is the most common and

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03:07

Property & Casualty Exam Prep 2, Law of Large Numbers...

Insurance Exam Prep ·

2026/06/04

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - How the Law of Large Numbers allows insurers to accurately predict future losses. - The six essential elements of an insurable risk, remembered by the mnemonic

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03:25

Property & Casualty Exam Prep 1, Risk, Peril, Hazard,...

Insurance Exam Prep ·

2026/06/03

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - Risk is the uncertainty of loss; only pure risk (loss or no loss) is insurable, not speculative risk (chance of gain or loss). - A peril is the direct cause of a

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03:25

[Health Insurance] 67, Tax Treatment of LTC Insurance...

Insurance Exam Prep ·

2026/06/02

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - Premiums for tax-qualified LTC insurance can be partially deducted based on the policyholder's age. - Benefits from a tax-qualified LTC policy are received

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03:24

[Health Insurance] 66, Tax Treatment of...

Insurance Exam Prep ·

2026/06/01

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Employer-paid group health insurance premiums are a deductible business expense, and the benefit is tax-free to the employee. - The core rule for group disability

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02:44

[Health Insurance] 65, Tax Treatment of Individual...

Insurance Exam Prep ·

2026/05/31

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Self-employed individuals can take an above-the-line deduction for health insurance premiums, up to the net profit of the business. - Employees paying for individual

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02:45

[Health Insurance] 64, Dental and Vision Insurance Plans

Insurance Exam Prep ·

2026/05/30

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Dental services are categorized as preventive (100% coverage), basic (around 80% coverage), and major (around 50% coverage). - Dental plans have an annual maximum

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03:03

[Health Insurance] 63, Critical Illness and Hospital...

Insurance Exam Prep ·

2026/05/29

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - Critical Illness insurance pays a one-time, lump-sum cash benefit directly to you upon diagnosis of a covered condition like cancer or a stroke. - Hospital Indemnity

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03:03

[Health Insurance] 62, Accidental Death and...

Insurance Exam Prep ·

2026/05/28

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The difference between the Principal Sum (for accidental death) and the Capital Sum (for dismemberment). - Why AD&D will not pay for a death caused by a sickness,

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03:25

[Health Insurance] 61, Mental Health Parity and...

Insurance Exam Prep ·

2026/05/27

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - MHPAEA requires parity for financial requirements and treatment limitations between mental health/substance use disorder benefits and medical/surgical benefits. -

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03:06

[Health Insurance] 60, Flexible Spending Accounts and...

Insurance Exam Prep ·

2026/05/26

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - Flexible Spending Accounts (FSAs) are employee-funded, subject to a "use-it-or-lose-it" rule, with a 2026 maximum carryover of $680. - Health Reimbursement

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02:30

[Health Insurance] 59, Health Savings Accounts HSAs

Insurance Exam Prep ·

2026/05/25

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - HSA eligibility requires enrollment in a qualified High-Deductible Health Plan (HDHP) and not being enrolled in Medicare. - HSAs feature a powerful triple-tax

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03:13

[Health Insurance] 58, Section 125 Cafeteria Plans

Insurance Exam Prep ·

2026/05/24

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Section 125 plans let employees pay for qualified benefits with pre-tax dollars, lowering their taxable income. - The core choice in a cafeteria plan is between

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04:14

[Health Insurance] 57, ERISA Federal Regulation of...

Insurance Exam Prep ·

2026/05/23

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - That a fiduciary's primary duty under ERISA is to act solely in the interest of plan participants and beneficiaries. - Key details about the Summary Plan Description

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04:06

[Health Insurance] 56, HIPAA Portability and Privacy...

Insurance Exam Prep ·

2026/05/22

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - How HIPAA limits pre-existing condition exclusions using a 6-month look-back period and a maximum 12-month exclusion. - The role of creditable coverage in reducing

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03:14

[Health Insurance] 55, COBRA Qualifying Events and...

Insurance Exam Prep ·

2026/05/21

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The employer has 30 days to notify the plan administrator of qualifying events like termination or reduction in hours. - The employee or beneficiary has 60 days to

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03:14

[Health Insurance] 54, COBRA Continuation Coverage

Insurance Exam Prep ·

2026/05/20

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - That COBRA is a federal law applying to employers with 20 or more employees. - The difference in qualifying events for employees (termination, reduced hours) versus

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03:18

[Health Insurance] 53, Group Health Insurance...

Insurance Exam Prep ·

2026/05/19

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams.In this episode you will learn: - The distinction between the master contract held by the employer and the certificate of insurance provided to employees. - Common eligibility requirements for group

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