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Question 1

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Which technology component most directly converts a paper-based insurance application into a structured data record that an underwriting system can process?

Optical character recognition (OCR) with intelligent document processing

A relational database management system

A virtual private network (VPN) appliance

A network load balancer

to track

2026 Statistics

Key Facts: AIT Exam

3 exams + Ethics 311

Required for AIT

The Institutes

70%

Passing Score per Exam

All AIT course exams

~$415

Per-Course Exam Fee

The Institutes 2026

~$1,500

Total Program Cost

Three required exams plus Ethics 311

ACRM 401

Cyber Risk Course in Curriculum

Effectively Managing Cyber Risk

100-150 hours

Typical Study Time

Across all AIT exams

AIT is awarded after passing 3 national exams that cover IT operations, ACRM 401 cyber risk, plus Ethics 311. Each course exam is roughly 70 questions in 2 hours with a 70% passing standard, delivered online or via virtual proctored testing through The Institutes. Total program cost is around $1,500. AIT signals fluency in claims tech, underwriting tech, agency systems, infrastructure, cybersecurity, data, cloud APIs, Agile, and IT governance for insurance.

Sample AIT Practice Questions

Try these sample questions to test your AIT exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Which technology component most directly converts a paper-based insurance application into a structured data record that an underwriting system can process?

A.Optical character recognition (OCR) with intelligent document processing

B.A relational database management system

C.A virtual private network (VPN) appliance

D.A network load balancer

Explanation: OCR combined with intelligent document processing reads scanned forms, extracts named fields, and emits structured data the underwriting platform can ingest. A relational database stores the data once it has been extracted, but does not perform extraction itself. VPNs and load balancers are network components unrelated to document conversion.

2An insurer's policy administration system, claims system, and billing system must share customer data in near real time. Which integration approach is most consistent with modern insurance IT architecture?

A.Nightly batch file transfers between each pair of systems

B.An enterprise service bus or API-based integration layer

C.Manual rekeying by service representatives

D.A shared spreadsheet drive accessible to all departments

Explanation: An enterprise service bus or API-based integration layer brokers messages between systems and supports near real-time exchange. Nightly batch transfers introduce latency and reconciliation risk. Manual rekeying is error-prone and slow. Shared spreadsheets do not provide controlled, auditable integration.

3Which option best describes the role of a policy administration system (PAS) inside a property-casualty insurer?

A.It issues, endorses, renews, and cancels insurance policies and stores related policyholder data

B.It records general ledger journal entries and prepares statutory financial statements

C.It manages the insurer's email, calendaring, and instant-messaging services

D.It hosts the public marketing website and lead-capture forms

Explanation: A policy administration system is the system of record for policy issuance, endorsements, renewals, cancellations, and policyholder information. General ledger work is done by the financial accounting system. Email/calendar and the public website are separate platforms with different purposes.

4An underwriter wants to retrieve a motor vehicle report directly inside the underwriting workbench during quoting. Which technology is most commonly used to deliver this data into the workbench?

A.A third-party data API call

B.A printed report mailed by the state DMV

C.A nightly extract loaded into a spreadsheet

D.A SQL Server backup file

Explanation: Modern underwriting workbenches call third-party data APIs to retrieve MVRs, credit-based insurance scores, and loss-history data on demand. Printed reports and nightly spreadsheets are too slow for point-of-sale quoting. A backup file is a database recovery artifact, not a data delivery mechanism.

5Which statement best describes a claims management system used by a P&C insurer?

A.It captures first notice of loss, assigns adjusters, tracks reserves, and issues claim payments

B.It calculates premium rates for new business quotes

C.It manages the company's payroll and employee benefits

D.It is solely a customer-facing chatbot for FAQs

Explanation: A claims management system records first notice of loss, routes claims to adjusters, maintains reserves, tracks litigation, and issues indemnity and expense payments. Rating engines handle premium calculation. Payroll lives in HR systems. A chatbot can sit in front of a claims system but is not the claims system itself.

6Which device operates primarily at OSI Layer 3 and is responsible for moving packets between separate IP networks?

A.A router

B.A network hub

C.A KVM switch

D.An uninterruptible power supply

Explanation: Routers operate at Layer 3 (network) and forward IP packets between networks based on routing tables. Hubs are Layer 1 repeaters. A KVM switch shares peripherals across servers. A UPS provides backup power and has no networking role.

7Why do insurers typically maintain a separate development, test, and production environment for core systems?

A.To allow changes to be coded and validated before reaching live policyholder data

B.To reduce hardware costs by running everything on one server

C.Because regulators require all data to be visible to all employees at all times

D.Because Agile teams cannot work in a single environment

Explanation: Separate environments let developers code in dev, QA verify in test, and only validated changes reach production where live data lives. This protects integrity and availability. Consolidating environments increases risk. Regulators expect controls that limit, not expand, access. Agile works in single or multi-environment setups; the driver here is change control.

8An insurance agency wants its producers to access the agency management system from any laptop without installing software locally. Which approach best meets that need?

A.A web-based, browser-delivered SaaS interface to the agency management system

B.A locally installed Windows desktop application on each producer's laptop

C.A printed daily report distributed by mail

D.A USB stick passed between agents

Explanation: A browser-delivered SaaS interface lets producers log in from any laptop without local installs and centralizes updates. A locally installed app requires deployment and patching on every machine. Paper and USB workflows do not meet a real-time access requirement.

9Which of the following is the best definition of an information system for insurance professionals?

A.A combination of people, processes, hardware, software, and data that supports business activities

B.A piece of computer hardware that stores files

C.Only the software running on an underwriter's laptop

D.A network cable connecting two buildings

Explanation: An information system is a coordinated combination of people, processes, hardware, software, and data working together to capture, store, process, and deliver information. Storage hardware, a single application, or a cable are individual components, not the whole system.

10Which architectural layer is most responsible for presenting policy data to an underwriter on screen?

A.The presentation layer

B.The persistence layer

C.The network transport layer

D.The physical cabling layer

Explanation: In a layered application architecture, the presentation layer renders the user interface that the underwriter sees. The persistence layer stores data, the transport layer moves bytes, and physical cabling is the medium. Only the presentation layer formats and displays information for the user.

About the AIT Exam

The Associate in Information Technology (AIT) is The Institutes' professional designation for insurance professionals who use, manage, or oversee technology in claims, underwriting, agency, and operations roles. The updated AIT curriculum spans IT foundations and core insurance systems, cybersecurity and cyber risk management (incorporating ACRM 401: Effectively Managing Cyber Risk), data management and architecture, cloud and SaaS, software development and Agile, IT governance frameworks (ITIL, COBIT), and ethics. Candidates pass three national online exams plus Ethics 311.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$415 per course (~$1,500 total) (The Institutes)

AIT Exam Content Outline

20%

IT Foundations & Insurance Systems

Hardware, networking, OS basics, policy administration, claims, billing, and agency management systems used across the insurance value chain.

25%

Cybersecurity & Cyber Risk Management

CIA triad, NIST CSF, MFA, RBAC, encryption, threats (phishing, ransomware, SQLi, XSS, OWASP Top 10), incident response, GLBA, NAIC #668, NY DFS 23 NYCRR 500, and ACRM 401 cyber risk concepts.

15%

Data Management & Architecture

Master data management, data warehouses and lakes, data governance, data quality, ETL, predictive modeling, ACORD P&C/Life data standards, and privacy-preserving techniques.

15%

Cloud, SaaS & Insurance APIs

IaaS/PaaS/SaaS service models, AWS/Azure shared responsibility, REST vs SOAP, API gateways, cloud economics, and InsurTech/API marketplaces.

10%

Software Development & Agile

Agile Scrum, Kanban, user stories, CI/CD, DevOps, monolith vs microservices, RPA in claims, test automation, and resilience patterns.

10%

IT Governance, ITIL & COBIT

IT service management with ITIL change/incident/problem practices, COBIT governance, IT general controls, segregation of duties, SLAs, and IT portfolio management.

Ethics & Compliance (Ethics 311)

The Institutes' Code of Professional Ethics, conflict-of-interest handling, breach notification duties, software licensing ethics, and regulatory compliance for IT professionals in insurance.

How to Pass the AIT Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $415 per course (~$1,500 total)

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

AIT Study Tips from Top Performers

1Map every concept back to a real insurance system you have used (PAS, claims, agency, billing) so abstract IT topics stick.

2Memorize the NIST CSF five Functions (Identify, Protect, Detect, Respond, Recover) and have an example control for each.

3Build a one-page reference sheet for GLBA, NAIC Model #668, and 23 NYCRR 500 — exam questions reward precise statutory recall.

4Practice translating between IaaS/PaaS/SaaS responsibilities and the AWS/Azure shared-responsibility split.

5Walk through one ACORD P&C transaction (e.g., quote-to-policy) end to end so REST/SOAP, API gateways, and data standards click together.

Frequently Asked Questions

How many exams are required for the AIT designation?

The AIT designation requires passing three national online exams from The Institutes plus Ethics 311. The updated curriculum incorporates ACRM 401 (Effectively Managing Cyber Risk) along with IT operations and architecture courses. Each exam is delivered online or via virtual proctored testing and uses a 70% passing standard.

What topics does the new AIT curriculum cover?

The updated AIT curriculum spans IT foundations and core insurance systems (PAS, claims, billing, agency systems), cybersecurity and cyber risk management (NIST CSF, GLBA, NAIC #668, NY DFS 23 NYCRR 500, ACRM 401), data management and ACORD standards, cloud and SaaS architecture, software development and Agile, IT governance with ITIL and COBIT, and professional ethics through Ethics 311.

How much does the AIT designation cost?

Each AIT course exam costs approximately $415, putting the total program cost in the range of $1,500 across the three required exams plus Ethics 311. Pricing varies modestly with package and SmartStudy options, and many insurers offer tuition reimbursement for AIT candidates.

Who should pursue the AIT designation?

AIT is built for insurance professionals who use or manage technology — claims technology specialists, underwriting tech analysts, agency system administrators, IT operations staff, and managers responsible for cyber risk. It is also valuable for non-IT professionals who want to speak fluently with technology partners about insurance systems, data, and security.

How is the AIT exam delivered?

AIT exams are delivered through The Institutes as online or virtual proctored exams. Candidates typically have 2 hours to complete approximately 70 multiple-choice questions per course exam. The 70% passing standard applies, and candidates receive immediate feedback at the end of the testing session.

How does AIT relate to ACRM, AIDA, and CPCU?

AIT focuses on IT and insurance technology. ACRM (Associate in Cyber Risk Management) goes deeper on cyber risk and shares the ACRM 401 course with AIT. AIDA (Associate in Insurance Data Analytics) goes deeper on data and analytics. CPCU is the broad property-casualty designation; AIT complements CPCU for professionals who want stronger technology, data, and security depth.