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Insurance Exam Prep

Insurance Exam Prep

Von: Ran Chen EA CFP®
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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/Copyright 2026 Ran Chen, EA, CFP® Bildung Täglich Ökonomie
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  • Property & Casualty Exam Prep 53, Workers Compensation Premiums and Classification

    Property & Casualty Exam Prep 53, Workers Compensation Premiums and Classification
    Jul 25 2026
    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) acts as a multiplier, rewarding safer companies with lower premiums and penalizing riskier ones. - Why a final premium audit is conducted to reconcile estimated payroll with actual payroll, which can result in additional premiums or a refund. - The exam trap that an employee's entire payroll may be assigned to a high-risk classification, even if they only perform those hazardous duties part-time. - How businesses become liable for covering uninsured subcontractors, requiring the inclusion of the subcontractor's payroll in their own premium calculations. 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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    3 Min.
  • Property & Casualty Exam Prep 52, Workers Compensation Policy Parts

    Property & Casualty Exam Prep 52, Workers Compensation Policy Parts
    Jul 24 2026
    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 Insurance applies to incidental exposures in listed states, excluding monopolistic ones. - Voluntary Compensation endorsements cover employees who are exempt from mandatory coverage. - Why benefits under Part One are dictated by law, while Part Two liability coverage requires limits. 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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    3 Min.
  • Property & Casualty Exam Prep 51, Workers Compensation Basics

    Property & Casualty Exam Prep 51, Workers Compensation Basics
    Jul 23 2026
    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' doctrine, which states that an employee's only recourse against their employer for a workplace injury is through workers' compensation, preventing most lawsuits. - The four types of statutory benefits provided: medical payments, disability income, rehabilitation services, and death benefits. - The key distinction between workers' compensation (Part One) and employers liability (Part Two) coverage. - How employers liability protects the employer from lawsuits that fall outside the scope of the exclusive remedy rule, such as third-party claims. 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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    3 Min.
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