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Insurance Exam in the Car

Insurance Exam in the Car

Written by: Circle Of Insight Productions
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Insurance Exam in the Car turns your commute into a study session for the Life & Health Insurance licensing exam. Each episode breaks down policies, underwriting, riders, annuities, beneficiaries, taxation, health insurance, disability coverage, Medicare, regulations, and other frequently tested concepts in clear, memorable language. Episodes include examples, exam traps, and practice questions designed to help you recognize what the test is really asking. Whether you’re driving, walking, or studying between appointments, every episode gets you one step closer to passing.Copyright Circle Of Insight Productions Economics Personal Finance
Episodes
  • Premiums, Deductibles, Limits, and Exclusions: Four Insurance Terms You Must Know

    Premiums, Deductibles, Limits, and Exclusions: Four Insurance Terms You Must Know
    Oct 11 2026
    Understanding premiums, deductibles, policy limits, and exclusions is essential for passing the Life and Health Insurance Licensing Exam. These four concepts determine how insurance coverage works, what policyholders pay, and when an insurance company is responsible for a claim. In this episode, we break down each term using practical examples, explain how they interact, and highlight common exam questions designed to confuse new insurance agents.
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    3 mins
  • Risk, Peril, and Hazard: Three Insurance Terms You Must Know

    Risk, Peril, and Hazard: Three Insurance Terms You Must Know
    Oct 4 2026
    Risk, peril, and hazard sound similar, but on the insurance licensing exam, they mean very different things. In this episode of Insurance in the Car, we break down each concept using simple examples involving homes, health, and life insurance. By the end, you’ll be able to recognize the difference between a risk, a peril, and the three major types of hazards—physical, moral, and morale.
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    3 mins
  • Read the Policy Like an Examiner: The Four Parts That Make Insurance Work

    Read the Policy Like an Examiner: The Four Parts That Make Insurance Work
    Sep 29 2026
    Insurance policies can look intimidating, but most are built around a few basic components that tell you who is covered, what the insurer promises, what rules must be followed, and what is not covered. In this episode of Insurance Exam in the Car, we break down four high-yield parts of an insurance contract: declarations, the insuring agreement, conditions, and exclusions. You’ll learn how to identify each section through simple claim scenarios and avoid terminology traps commonly encountered on licensing exams. Then we’ll finish with five practice questions to test whether you can recognize these concepts the way the exam expects you to.
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    3 mins
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