Free Daily Podcast Summary
Insurance Exam Prep: Daily Summaries Delivered
by 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 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.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- 5 days ago4 min
[TX P&C] 22. Homeowners, Coastal Wind and Flood Case Review
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 private homeowners wind endorsements, TWIA windstorm coverage, and flood insurance. - The statutory requirement for private insurer declination from an admitted carrier before seeking TWIA coverage. - Valid building code Certificates of Compliance including TDI WPI-8, WPI-8-E, historical TWIA WPI-8-C, and statutory exceptions. - The three specific conditions that trigger mandatory flood insurance for TWIA eligibility in NFIP V flood zones built or altered after September 1, 2009. - Why treating TWIA windstorm policies and flood insurance as interchangeable creates a major exam trap. OpenExamPrep provides independent study resources to support your exam preparation; practice interactive test questions at https://open-exam-prep.com/practice/tx-property-casualty and find video guides at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 - https://tcss.legis.texas.gov/resources/IN/htm/IN.2210.htm - https://www.tdi.texas.gov/agent/general-property-apply.html - https://www.tdi.texas.gov/consumer/index.html
- 6 days ago4 min
[TX P&C] 21. Licensing and Premium-Handling Case Review
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 legal rules governing acting before TDI receives notice of an additional insurer appointment under Texas Insurance Code. * How Texas agent license expiration on the last day of the birth month impacts biennial continuing education requirements. * Why fiduciary trust responsibilities strictly prohibit using policyholder premiums for personal or operating expenses. * Exam traps involving appointment notice timelines, grace period assumptions, and temporary premium diversion. * A practical decision rule distinguishing license qualification, carrier appointment authority, and fiduciary duties. This independent prep episode helps you master Texas licensing and premium-handling rules. For additional practice questions, visit https://open-exam-prep.com/practice/tx-property-casualty and explore our video tutorials at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 * https://tcss.legis.texas.gov/resources/IN/htm/IN.4001.htm * https://www.tdi.texas.gov/agent/general-property-apply.html * https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.pdf
- 1 weeks ago4 min
[TX P&C] 20. Surplus Lines, Guaranty Protection and Residual Markets
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 legal distinctions between admitted insurers and eligible surplus lines carriers in Texas. - Statutory guaranty association limits, exclusions, and Chapter 462 eligibility rules. - Placement restrictions, diligent search exceptions, and surplus lines licensing rules. - The required Section 981.101 disclosure warning on surplus lines documents. - Program-specific residual market mechanisms and Joint Underwriting Association roles. This independent prep episode is designed to help you master Texas property and casualty exam topics. Access practice materials at https://open-exam-prep.com/practice/tx-property-casualty and subscribe on YouTube at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 - https://tcss.legis.texas.gov/resources/IN/htm/IN.981.htm - https://tcss.legis.texas.gov/resources/IN/htm/IN.462.htm - https://www.tdi.texas.gov/agent/general-property-apply.html
- 1 weeks ago4 min
[TX P&C] 19. Workers Compensation Benefits and Claim Scenarios
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 Texas medical benefits cover reasonable and necessary care without standard policy time or dollar limits. • How temporary income benefits (TIBs) are calculated with statutory caps, low-wage exceptions, and MMI duration rules. • How impairment income benefits (IIBs) compensate for permanent physical damage based on three weeks per percentage point. • How death and burial benefits protect eligible beneficiaries, including the first responder spouse remarrying exception. • How to evaluate workers compensation claim scenarios accurately for the Texas General Lines exam. This independent study resource is designed to help candidates prepare for the Texas General Lines Property and Casualty insurance licensing exam. Practice questions are available at https://open-exam-prep.com/practice/tx-property-casualty and video lessons can be found at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 • https://www.tdi.texas.gov/wc/employee/index.html • https://tcss.legis.texas.gov/resources/LA/htm/LA.408.htm
- 1 weeks ago4 min
[TX P&C] 18. Texas Workers Compensation and Nonsubscriber Employers
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 subscribing and nonsubscribing employers under Texas law. • Exceptions where workers compensation coverage is legally mandatory in Texas. • How the exclusive remedy doctrine functions alongside statutory gross negligence exceptions. • The three common-law defenses forfeited by nonsubscribing employers in tort suits. • Administrative notice duties and why non-subscriber negligence claims still require proving causation. This episode provides independent educational material for learners preparing for the Texas Property and Casualty insurance license exam. For practice resources, visit https://open-exam-prep.com/practice/tx-property-casualty and check out our channel at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026: • https://tcss.legis.texas.gov/resources/LA/htm/LA.406.htm • https://www.tdi.texas.gov/wc/employer/index.html • https://www.tdi.texas.gov/consumer/index.html
- 1 weeks ago4 min
[TX P&C] 17. Auto and Home Policy Cancellation and Nonrenewal
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 Texas law distinguishes midterm policy cancellation, natural policy expiration, and nonrenewal. - The 60-day written notice requirement for personal auto and homeowners nonrenewals in Texas. - The 10-day written notice requirement for midterm cancellations due to nonpayment or statutory cause. - Line-specific midterm cancellation grounds, including auto-only driver license suspension rules and initial 60-day homeowners hazard rules. - Electronic notice options under Section 551.008 and the requirement for automatic written explanation of reasons. For independent study materials, practice questions, and video guides, check out https://open-exam-prep.com/practice/tx-property-casualty and https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 https://tcss.legis.texas.gov/resources/IN/htm/IN.551.htm https://www.tdi.texas.gov/consumer/index.html
- 1 weeks ago4 min
[TX P&C] 16. Personal Auto Coverage, Exclusions and Rideshare Gaps
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 personal auto coverage applies during personal driving subject to standard policy terms and conditions. - How public or livery conveyance exclusions trigger when a driver logs onto a rideshare application. - Statutory liability requirements under Texas Insurance Code Chapter 1954 during the application waiting period. - How TNC coverage and optional endorsements handle physical damage and liability across different rideshare phases. - Key exam strategies for evaluating scenario questions about rideshare exclusions and endorsement terms. This episode is part of OpenExamPrep's independent educational resources for Texas General Lines Property and Casualty insurance preparation. Explore practice tests and learning material at https://open-exam-prep.com/practice/tx-property-casualty and watch complete visual lessons on YouTube at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 - https://tcss.legis.texas.gov/resources/IN/htm/IN.1954.htm - https://www.tdi.texas.gov/tips/ride-sharing.html
- 1 weeks ago4 min
[TX P&C] 15. Uninsured Motorists, Underinsured Motorists and PIP
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: • Statutory mandates under Texas Insurance Code Chapter 1952 for offering Personal Injury Protection (PIP) and UM/UIM on personal auto policies. • The requirement for a valid written rejection, including compliant electronic signature, and how existing valid rejections carry forward to policy renewals. • Statutory minimum PIP limits of $2,500 per person and benefit categories for income producers versus non-income producers. • Key operational differences between third-party liability, collision, PIP, and UM/UIM coverages. • Common exam traps involving oral requests, agent customer file notes, and physical contact rules for hit-and-run claims. OpenExamPrep provides independent study tools to support candidates preparing for the Texas General Lines Property and Casualty insurance exam. Practice state-specific questions at https://open-exam-prep.com/practice/tx-property-casualty and watch comprehensive video tutorials at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 • https://tcss.legis.texas.gov/resources/IN/htm/IN.1952.htm • https://www.tdi.texas.gov/consumer/index.html
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About Insurance Exam Prep
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.
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Frequently Asked Questions
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It's a free AI-powered email that summarizes new episodes of Insurance Exam Prep as soon as they're published. You get the key takeaways, notable quotes, and links & mentions — all in a quick read.
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