Turn Your Commute into Insurance Exam Study Time
Preparing for your Life & Health or Property & Casualty insurance license? The free Open Exam Prep Insurance Podcast lets you study while commuting, exercising, or doing chores.
Why Podcast Study Works for Insurance Exams
Insurance Exams Are Concept-Heavy
Unlike math-heavy exams, insurance licensing tests your understanding of:
- Policy types and their features
- Coverage provisions and exclusions
- Regulatory requirements
- Ethics and producer responsibilities
These concepts are perfect for audio learning—you can absorb definitions and explanations while doing other activities.
Maximize Hidden Study Time
| Activity | Weekly Study Time |
|---|---|
| Commuting | 5-10 hours |
| Gym/Walking | 3-5 hours |
| Chores/Errands | 2-3 hours |
| Total | 10-18 hours/week |
That's 40-70+ hours of study over a month—just from listening.
What the Podcast Covers
Life & Health Topics
| Topic | Key Concepts |
|---|---|
| Life Insurance | Term vs. permanent, whole life, universal life, variable life |
| Annuities | Fixed, variable, indexed, immediate vs. deferred |
| Health Insurance | Major medical, ACA provisions, Medicare, Medicaid |
| Disability | Short-term, long-term, own occupation vs. any occupation |
| Long-Term Care | Benefit triggers, elimination periods, inflation protection |
Property & Casualty Topics
| Topic | Key Concepts |
|---|---|
| Homeowners | HO-1 through HO-8, coverage A-F, endorsements |
| Auto Insurance | Liability, collision, comprehensive, uninsured motorist |
| Commercial | BOP, commercial property, general liability, workers comp |
| Liability | Personal liability, professional liability, umbrella policies |
| Bonds | Surety bonds, fidelity bonds, bail bonds |
Study Strategy: Podcast + Practice Questions
The 3-Step Method
Step 1: Listen During Downtime
Use commutes and exercise time to absorb concepts passively. The podcast introduces topics and explains key distinctions.
Step 2: Practice with Questions
After listening to a topic, immediately practice with our free questions:
Step 3: Review Mistakes with AI
When you miss a question, ask our AI tutor to explain the concept. This fills knowledge gaps quickly.
Sample Study Week
| Day | Podcast Topic | Practice Focus |
|---|---|---|
| Mon | Life Insurance Types | Term vs. Whole Life questions |
| Tue | Annuities | Fixed vs. Variable Annuity questions |
| Wed | Health Insurance | ACA and Major Medical questions |
| Thu | Homeowners Policies | HO Forms and Coverage questions |
| Fri | Auto Insurance | Liability and Coverage questions |
| Sat | Review weak areas | Mixed practice exam |
Free Practice Questions by State
Insurance exams are state-specific. We offer free practice for all 50 states:
Life & Health Practice
| Popular States | Practice Link |
|---|---|
| California | CA Life & Health → |
| Texas | TX Life & Health → |
| Florida | FL Life & Health → |
| New York | NY Life & Health → |
| National | Life & Health (All States) → |
Property & Casualty Practice
| Popular States | Practice Link |
|---|---|
| California | CA P&C → |
| Texas | TX P&C → |
| Florida | FL P&C → |
| New York | NY P&C → |
| National | P&C (All States) → |
Where to Listen
Subscribe on your preferred platform:
- Spotify - Listen on Spotify
- Apple Podcasts - Listen on Apple Podcasts
- YouTube - Watch on YouTube
Common Insurance Exam Questions Answered
"What's the difference between Life & Health and Property & Casualty?"
Life & Health covers products that protect people:
- Life insurance (death benefits)
- Health insurance (medical expenses)
- Disability insurance (income replacement)
- Long-term care (nursing care costs)
Property & Casualty covers products that protect things and liability:
- Homeowners/renters insurance
- Auto insurance
- Commercial property insurance
- Liability insurance
Many agents pursue both licenses to offer complete coverage to clients.
"How hard are insurance exams?"
Insurance exams have pass rates around 50-60% on the first attempt. They're not extremely difficult, but they require dedicated study. Most failures come from:
- Underestimating the amount of content
- Not practicing with realistic questions
- Rushing through without understanding concepts
The podcast + practice question combination addresses all three issues.
Need Help? Ask the AI Tutor
Confused about a concept from the podcast? Our AI tutor can explain anything in depth:
Try asking:
- "What's the difference between whole life and universal life insurance?"
- "Explain the HO-3 homeowners policy"
- "How does coinsurance work in property insurance?"
Free for 10 questions per day.
Start Your Insurance Exam Prep Today
- Subscribe to the podcast on Spotify
- Practice with Life & Health or P&C questions
- Ask the AI when you need concepts explained
All free. No credit card required.