Insurance Exam Prep – Details, episodes & analysis
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Insurance Exam Prep
Ran Chen, EA, CFP®
Education
Education
Business
Frequency: 1 episode/1d. Total Eps: 129
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/
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Life Insurance Exam [National] 41 – Reinstatement Provision Explained
lundi 16 février 2026 • Duration 03:30
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. This episode covers content for the National Exam.
In this episode you will learn:
• The standard reinstatement window is typically 3 years following a policy lapse.
• Policyowners must provide fresh evidence of insurability to prove they are still a standard risk.
• Reinstatement requires repayment of all missed premiums, outstanding loans, and accrued interest.
• The primary benefit of reinstatement is maintaining the original issue age and lower premium rates.
• Reinstating a policy resets the two-year clocks for both the incontestability and suicide clauses.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 40 – Grace Period Provision Explained
dimanche 15 février 2026 • Duration 03:50
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. This episode covers content for the National Exam.
In this episode you will learn:
The grace period is a mandatory provision typically lasting thirty one days.
Coverage remains in full force and effect during the entire grace period.
Insurers must pay death claims during this window but will deduct overdue premiums.
The grace period is designed specifically to prevent unintentional policy lapse.
Distinguishing between the grace period and reinstatement is a key exam requirement.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 31 – Whole Life Insurance Explained
vendredi 6 février 2026 • Duration 04:24
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. This episode covers content for the National Exam insurance exam.
In this episode you will learn:
• Whole life provides permanent protection with level premiums and a level death benefit throughout the life of the policy.
• Cash value acts as a living benefit that grows tax-deferred and can be accessed via policy loans.
• Policies mature or endow when the cash value equals the death benefit, traditionally at age 100 or 121.
• Nonforfeiture options like extended term and reduced paid-up insurance protect the policyowner's equity if premiums stop.
• The insurer's net amount at risk decreases over time as the cash value within the policy increases.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 30 – Renewable and Convertible Term Insurance Explained
jeudi 5 février 2026 • Duration 03:39
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. This episode covers content for the National Exam.
In this episode you will learn:
• How renewable provisions allow policyholders to extend coverage without new medical exams.
• Why renewal premiums increase based on the insured's attained age.
• The difference between attained age and original age conversion methods.
• Why the face amount cannot be increased during renewal or conversion without underwriting.
• The critical role these provisions play in protecting a policyholder’s future insurability.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 29 – Term Life Insurance Variations Explained
mercredi 4 février 2026 • Duration 04:01
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. This episode covers content for the National Exam real estate exam.
In this episode you will learn:
• The primary differences between Level, Decreasing, and Increasing term insurance.
• Why Decreasing Term is the preferred choice for mortgage protection and amortizing debts.
• How Increasing Term functions as a rider to address inflation and return of premium features.
• Common exam traps regarding level premiums versus changing death benefits.
• A simple mnemonic to categorize term variations based on consumer financial needs.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 28 – Term Life Insurance Fundamentals Explained
mardi 3 février 2026 • Duration 04:20
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. This episode covers content for the National Exam.
In this episode you will learn:
• Term life insurance provides pure death protection with absolutely no cash value or living benefits.
• It serves as the most economical option for obtaining a high death benefit at a low initial cost.
• Decreasing term insurance is the standard solution for covering amortized debts like home mortgages.
• The renewability feature allows the insured to maintain coverage without health evidence at an attained age premium.
• Convertibility provides a bridge to permanent insurance without requiring the insured to prove their insurability.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 27 – Personal and Business Uses of Life Insurance Explained
lundi 2 février 2026 • Duration 03:43
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. This episode covers content for the National Exam.
In this episode you will learn:
• The critical differences between the Human Life Value approach and the Needs Approach for determining coverage.
• How Key Person insurance is structured and the specific tax treatment of its premiums and benefits.
• The mathematical formula for determining the number of policies needed in a Cross-Purchase Buy-Sell agreement.
• How Section 162 Executive Bonus plans function as a deductible expense for employers but taxable income for employees.
• The definition of the Social Security Blackout Period and its impact on survivor income planning.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 26 – Premium Factors and Determination Explained
dimanche 1 février 2026 • Duration 04:13
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. This episode covers content for the National Exam life insurance exam.
In this episode you will learn:
• Age is the primary factor in premium determination, with rates typically doubling every 12 to 15 years in middle age.
• Mortality tables result in higher premiums for men compared to women of the same age due to lower life expectancy.
• Net Premium is calculated by subtracting interest earnings from mortality costs.
• Gross Premium is the final amount paid by the consumer, including the net premium plus expenses and loading.
• Underwriters utilize actuarial science to classify risks into preferred, standard, or substandard categories based on health and lifestyle.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 25 – Risk Classification Categories Explained
samedi 31 janvier 2026 • Duration 03:52
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. This episode covers content for the National Exam real estate exam.
In this episode you will learn:
• Preferred Plus applicants represent elite health and receive the lowest premium rates.
• Standard risk is the actuarial benchmark for average health and life expectancy.
• Substandard risks lead to rated policies which carry higher premiums than standard risks.
• Table ratings typically add twenty-five percent to the standard premium for every level of increased risk.
• Tobacco use acts as a significant multiplier for premiums regardless of other health classifications.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
Life Insurance Exam [National] 24 – Life Insurance Underwriting Process Explained
vendredi 30 janvier 2026 • Duration 03:57
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. This episode covers content for the National Exam life insurance exam.
In this episode you will learn:
• The primary goal of life insurance underwriting and how it prevents adverse selection.
• The distinction between Part 1, Part 2, and the Agent's Report within a medical application.
• The specific role of the Medical Information Bureau and the legal limitations on its use.
• How risk classifications such as Preferred, Standard, and Substandard impact premium costs.
• Applicant protections under the Fair Credit Reporting Act regarding investigative consumer reports.
For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or Youtube Channel: https://www.youtube.com/@Open-exam-prep
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