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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

03:01

Property & Casualty Exam Prep 65, Fair Credit...

Insurance Exam Prep ·

2026/08/06

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: - A standard consumer report contains facts, while an investigative report includes subjective interviews about character and reputation. - Insurers must issue an

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03:09

Property & Casualty Exam Prep 64, Fraud,...

Insurance Exam Prep ·

2026/08/05

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: - A representation is a statement believed to be true, whereas a warranty is a statement guaranteed to be true. - A misrepresentation is a false statement, but it only

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03:14

Property & Casualty Exam Prep 63, Unfair Claims...

Insurance Exam Prep ·

2026/08/04

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: - Failing to acknowledge and act promptly on claim communications is a prohibited unfair practice. - Insurers must conduct a reasonable investigation before denying a

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03:52

Property & Casualty Exam Prep 62, Unfair Trade Practices

Insurance Exam Prep ·

2026/08/03

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: - How to distinguish illegal misrepresentation from legal sales puffery on the exam. - The specific definition of 'twisting' and how it involves fraudulent policy

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04:26

Property & Casualty Exam Prep 61, Producer Licensing...

Insurance Exam Prep ·

2026/08/02

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: - A producer must be licensed and then appointed by an insurer to sell insurance products. - Lines of authority are broad categories of insurance, not specific

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03:33

Property & Casualty Exam Prep 60, Producer Authority...

Insurance Exam Prep ·

2026/08/01

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: - The roles of the insurer, producer, applicant, and insured in an insurance transaction. - The difference between express authority (written), implied authority

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03:13

Property & Casualty Exam Prep 59, Terrorism Risk...

Insurance Exam Prep ·

2026/07/31

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: - How TRIA acts as a federal financial backstop for commercial insurers. - The definition and importance of a "certified act of terrorism." - The key role of the

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02:37

Property & Casualty Exam Prep 58, Cyber Liability and...

Insurance Exam Prep ·

2026/07/30

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: - How to differentiate first-party cyber coverage, which covers your direct costs, from third-party coverage, which covers your liability to others. - To identify key

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03:33

Property & Casualty Exam Prep 57, Farm, Crop, and...

Insurance Exam Prep ·

2026/07/29

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: - That farm policies are hybrid policies combining personal homeowners-style coverage with commercial coverage. - How farm structures like barns (Coverage G) are

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03:04

Property & Casualty Exam Prep 56, Ocean Marine and...

Insurance Exam Prep ·

2026/07/28

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: - Ocean Marine insurance has four key coverages for sea transit: Hull, Cargo, Freight, and Protection & Indemnity (P&I). - Inland Marine insurance covers property that

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03:18

Property & Casualty Exam Prep 55, Surety and Fidelity...

Insurance Exam Prep ·

2026/07/27

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: - The three parties to a surety bond: the principal, obligee, and surety. - How a surety bond guarantees the performance of the principal for the benefit of the

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03:26

Property & Casualty Exam Prep 54, Crime Insurance Basics

Insurance Exam Prep ·

2026/07/26

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: - The critical difference between burglary (forced entry into a premises) and robbery (theft from a person by force or threat). - Why 'theft' is the broadest term for

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02:42

Property & Casualty Exam Prep 53, Workers...

Insurance Exam Prep ·

2026/07/25

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: - That workers' comp premium is based on payroll per $100, which is then multiplied by a specific job classification rate. - How the Experience Modification Rate (EMR)

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03:28

Property & Casualty Exam Prep 52, Workers...

Insurance Exam Prep ·

2026/07/24

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: - Part One provides statutory, unlimited benefits as required by state law. - Part Two covers employer lawsuits and has specific policy limits. - Other States

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03:12

Property & Casualty Exam Prep 51, Workers...

Insurance Exam Prep ·

2026/07/23

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 workers' compensation is a no-fault system, meaning benefits are paid regardless of who caused the work-related injury or illness. - The 'exclusive remedy'

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02:59

Property & Casualty Exam Prep 50, Umbrella and Excess...

Insurance Exam Prep ·

2026/07/22

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: - The key difference between umbrella (broader coverage) and excess (higher limits only) policies. - How a Self-Insured Retention (SIR) functions like a deductible for

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02:52

Property & Casualty Exam Prep 49, Professional...

Insurance Exam Prep ·

2026/07/21

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: - Professional Liability covers financial loss from professional mistakes, while CGL covers bodily injury and property damage. - Errors & Omissions (E&O) is for

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04:32

Property & Casualty Exam Prep 48, Products and...

Insurance Exam Prep ·

2026/07/20

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: - The core function of Products Liability and who it applies to, such as manufacturers and restaurants. - The definition of Completed Operations coverage and how it

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03:06

Property & Casualty Exam Prep 47, CGL Limits and...

Insurance Exam Prep ·

2026/07/19

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 General Aggregate is the master limit for most CGL claims within a policy period. - Products-Completed Operations has its own separate aggregate limit for

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02:41

Property & Casualty Exam Prep 46, CGL Coverage C...

Insurance Exam Prep ·

2026/07/18

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 CGL Coverage C provides no-fault medical payments for third parties injured on an insured's premises or because of their operations. - How Coverage C acts as a

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