Insurance Agent Exam Prep: Life, Health, Property & Casualty
A career-pathway course that takes a high-school student from zero to a full-length practice state licensing exam — the door to work as a life & health or property & casualty insurance agent — through the true stories behind the policies: the Great Fire of London, Edward Lloyd’s coffee house, Benjamin Franklin’s fire mark, the Ministers’ Fund of 1759, the San Francisco earthquake and the great bargain of workers’ compensation.
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What to cover
50 of 50 lessons are MUST COVER. They are tested on the unit tests and exams, or are skills the SAT/ACT relies on. OPTIONAL lessons are enrichment. Do them if time allows. The course is complete when the MUST COVER lessons are done.
Unit 1: The Calling and the Path
- MUST COVER 1.1 The Insurance Agent: A Promise-Keeper’s Calling · exam
- MUST COVER 1.2 The Great Fire and the Coffee House: How Insurance Began · exam
- MUST COVER 1.3 Spreading the Risk: The Law of Large Numbers · exam
- MUST COVER 1.4 Fifty Regulators: Paul v. Virginia, SEUA and McCarran-Ferguson · exam
- MUST COVER 1.5 The License: Lines, Exams and Your Study Plan · exam
Unit 2: The Contract and the Agent’s Authority
- MUST COVER 2.1 A Contract Like No Other: Elements and Characteristics · exam
- MUST COVER 2.2 Insurable Interest and Indemnity: No Betting Allowed · exam
- MUST COVER 2.3 Utmost Good Faith: Representations, Warranties and Concealment · exam
- MUST COVER 2.4 The Agent’s Three Authorities: Express, Implied and Apparent · exam
- MUST COVER 2.5 Underwriting: The Application, the MIB and the Price of Risk · exam
Unit 3: Life Insurance: The Policies
- MUST COVER 3.1 Why Life Insurance: Needs, Human Life Value and the Ministers’ Fund · exam
- MUST COVER 3.2 Term Life: Renting the Promise · exam
- MUST COVER 3.3 Whole Life: The Promise That Endures · exam
- MUST COVER 3.4 Flexible Designs: Universal, Indexed and Variable Life · exam
- MUST COVER 3.5 Group Life and the Special Policies · exam
Unit 4: Life Insurance: Provisions, Riders and Annuities
- MUST COVER 4.1 The Policy’s Promises: Standard Provisions and Exclusions · exam
- MUST COVER 4.2 Beneficiaries and Settlement Options · exam
- MUST COVER 4.3 Riders and Nonforfeiture: Options Built Into the Promise · exam
- MUST COVER 4.4 Annuities: The Income That Cannot Be Outlived · exam
- MUST COVER 4.5 Delivery, Replacement and the Taxman: Life Insurance Taxation · exam
Unit 5: Health Insurance
- MUST COVER 5.1 Medical Expense Insurance: Deductibles, Networks and the Big Bill · exam
- MUST COVER 5.2 Disability Income: Insuring the Paycheck · exam
- MUST COVER 5.3 Medicare, Medicaid and Long-Term Care · exam
- MUST COVER 5.4 The Uniform Provisions: How a Health Policy Behaves · exam
- MUST COVER 5.5 Group Health, HSAs and the Specialized Policies · exam
Unit 6: Property Insurance: The Home
- MUST COVER 6.1 Perils, Hazards and the Price of a Loss: ACV, Replacement Cost and Coinsurance · exam
- MUST COVER 6.2 The Homeowners Policy: Dwelling and Belongings · exam
- MUST COVER 6.3 The Homeowners Policy: Liability and the Gaps · exam
- MUST COVER 6.4 Dwelling, Renters and Condominium Policies · exam
- MUST COVER 6.5 After the Fire: Claims, Adjusters and Subrogation · exam
Unit 7: Casualty Insurance: Autos and Liability
- MUST COVER 7.1 Negligence and the Four Elements: How the Law Assigns Blame · exam
- MUST COVER 7.2 The Personal Auto Policy: Liability and Medical Payments · exam
- MUST COVER 7.3 The Personal Auto Policy: Uninsured Motorists and Physical Damage · exam
- MUST COVER 7.4 The Umbrella: Liability for the Catastrophic Day · exam
- MUST COVER 7.5 Workers’ Compensation: The Great Bargain · exam
Unit 8: Commercial Lines
- MUST COVER 8.1 Commercial Property and the Income That Stops · exam
- MUST COVER 8.2 The CGL: Commercial General Liability · exam
- MUST COVER 8.3 The Businessowners Policy: Main Street’s Package · exam
- MUST COVER 8.4 Commercial Auto, Inland and Ocean Marine · exam
- MUST COVER 8.5 Crime, Bonds and Professional Liability · exam
Unit 9: The Law of the License
- MUST COVER 9.1 The Commissioner: Powers, Examinations and Penalties · exam
- MUST COVER 9.2 Getting and Keeping the License: Renewals, CE and Appointments · exam
- MUST COVER 9.3 Unfair Trade Practices: Twisting, Rebating and False Promises · exam
- MUST COVER 9.4 Unfair Claims Practices, Privacy and Fraud · exam
- MUST COVER 9.5 Suitability and Best Interest: Selling What the Client Needs · exam
Unit 10: The Career and the Capstone
- MUST COVER 10.1 Exam Day: Enrollment, Fingerprints and the Testing Center · exam
- MUST COVER 10.2 Appointed: Carriers, Contracts and the Captive–Independent Choice · exam
- MUST COVER 10.3 An Honest Book of Business: Prospecting, Referrals and Service · exam
- MUST COVER 10.4 The Agent’s Income: Commissions, Renewals and the First Three Years · exam
- MUST COVER 10.5 The Capstone: Your Pathway File and the Practice Exam Plan · exam
36-week pacing calendar
From the course’s own 33-week pacing guide, with catch-up and review weeks added to fill a 36-week (180-day) year.
| Week | Plan | Done | Notes |
|---|---|---|---|
| Wk 1 | Day 1: Lesson 1.1 The Insurance Agent: A Promise-Keeper's Calling: video, teaching and worked examples Day 2: Lesson 1.1: project and notebook Day 3: Lesson 1.1: practice set and corrections Day 4: Lesson 1.2 The Great Fire and the Coffee House: How Insurance Began: video, teaching and worked examples Day 5: Lesson 1.2: project and notebook | ||
| Wk 2 | Day 1: Lesson 1.2: practice set and corrections Day 2: Lesson 1.3 Spreading the Risk: The Law of Large Numbers: video, teaching and worked examples Day 3: Lesson 1.3: project and notebook Day 4: Lesson 1.3: practice set and corrections Day 5: Lesson 1.4 Fifty Regulators: Paul v. Virginia, SEUA and McCarran-Ferguson: video, teaching and worked examples | ||
| Wk 3 | Day 1: Lesson 1.4: project and notebook Day 2: Lesson 1.4: practice set and corrections Day 3: Lesson 1.5 The License: Lines, Exams and Your Study Plan: video, teaching and worked examples Day 4: Lesson 1.5: project and notebook Day 5: Lesson 1.5: practice set and corrections | ||
| Wk 4 | Day 1: Unit 1 test Day 2: Lesson 2.1 A Contract Like No Other: Elements and Characteristics: video, teaching and worked examples Day 3: Lesson 2.1: project and notebook Day 4: Lesson 2.1: practice set and corrections Day 5: Lesson 2.2 Insurable Interest and Indemnity: No Betting Allowed: video, teaching and worked examples | ||
| Wk 5 | Day 1: Lesson 2.2: project and notebook Day 2: Lesson 2.2: practice set and corrections Day 3: Lesson 2.3 Utmost Good Faith: Representations, Warranties and Concealment: video, teaching and worked examples Day 4: Lesson 2.3: project and notebook Day 5: Lesson 2.3: practice set and corrections | ||
| Wk 6 | Day 1: Lesson 2.4 The Agent's Three Authorities: Express, Implied and Apparent: video, teaching and worked examples Day 2: Lesson 2.4: project and notebook Day 3: Lesson 2.4: practice set and corrections Day 4: Lesson 2.5 Underwriting: The Application, the MIB and the Price of Risk: video, teaching and worked examples Day 5: Lesson 2.5: project and notebook | ||
| Wk 7 | Day 1: Lesson 2.5: practice set and corrections Day 2: Unit 2 test Day 3: Lesson 3.1 Why Life Insurance: Needs, Human Life Value and the Ministers' Fund: video, teaching and worked examples Day 4: Lesson 3.1: project and notebook Day 5: Lesson 3.1: practice set and corrections | ||
| Wk 8 | Day 1: Lesson 3.2 Term Life: Renting the Promise: video, teaching and worked examples Day 2: Lesson 3.2: project and notebook Day 3: Lesson 3.2: practice set and corrections Day 4: Lesson 3.3 Whole Life: The Promise That Endures: video, teaching and worked examples Day 5: Lesson 3.3: project and notebook | ||
| Wk 9 | Day 1: Lesson 3.3: practice set and corrections Day 2: Lesson 3.4 Flexible Designs: Universal, Indexed and Variable Life: video, teaching and worked examples Day 3: Lesson 3.4: project and notebook Day 4: Lesson 3.4: practice set and corrections Day 5: Lesson 3.5 Group Life and the Special Policies: video, teaching and worked examples | ||
| Wk 10 | Day 1: Lesson 3.5: project and notebook Day 2: Lesson 3.5: practice set and corrections Day 3: Unit 3 test Day 4: Lesson 4.1 The Policy's Promises: Standard Provisions and Exclusions: video, teaching and worked examples Day 5: Lesson 4.1: project and notebook | ||
| Wk 11 | Day 1: Lesson 4.1: practice set and corrections Day 2: Lesson 4.2 Beneficiaries and Settlement Options: video, teaching and worked examples Day 3: Lesson 4.2: project and notebook Day 4: Lesson 4.2: practice set and corrections Day 5: Lesson 4.3 Riders and Nonforfeiture: Options Built Into the Promise: video, teaching and worked examples | ||
| Wk 12 | Day 1: Lesson 4.3: project and notebook Day 2: Lesson 4.3: practice set and corrections Day 3: Lesson 4.4 Annuities: The Income That Cannot Be Outlived: video, teaching and worked examples Day 4: Lesson 4.4: project and notebook Day 5: Lesson 4.4: practice set and corrections | ||
| Wk 13 | Day 1: Lesson 4.5 Delivery, Replacement and the Taxman: Life Insurance Taxation: video, teaching and worked examples Day 2: Lesson 4.5: project and notebook Day 3: Lesson 4.5: practice set and corrections Day 4: Unit 4 test Day 5: Lesson 5.1 Medical Expense Insurance: Deductibles, Networks and the Big Bill: video, teaching and worked examples | ||
| Wk 14 | Day 1: Lesson 5.1: project and notebook Day 2: Lesson 5.1: practice set and corrections Day 3: Lesson 5.2 Disability Income: Insuring the Paycheck: video, teaching and worked examples Day 4: Lesson 5.2: project and notebook Day 5: Lesson 5.2: practice set and corrections | ||
| Wk 15 | Day 1: Lesson 5.3 Medicare, Medicaid and Long-Term Care: video, teaching and worked examples Day 2: Lesson 5.3: project and notebook Day 3: Lesson 5.3: practice set and corrections Day 4: Lesson 5.4 The Uniform Provisions: How a Health Policy Behaves: video, teaching and worked examples Day 5: Lesson 5.4: project and notebook | ||
| Wk 16 | Day 1: Lesson 5.4: practice set and corrections Day 2: Lesson 5.5 Group Health, HSAs and the Specialized Policies: video, teaching and worked examples Day 3: Lesson 5.5: project and notebook Day 4: Lesson 5.5: practice set and corrections Day 5: Unit 5 test | ||
| Wk 17 | Catch-up and review week (no new lessons) | ||
| Wk 18 | Day 1: Review day for the midterm Day 2: Midterm exam (60 questions, two hours, one sitting) Day 3: Lesson 6.1 Perils, Hazards and the Price of a Loss: ACV, Replacement Cost and Coinsurance: video, teaching and worked examples Day 4: Lesson 6.1: project and notebook Day 5: Lesson 6.1: practice set and corrections | ||
| Wk 19 | Day 1: Lesson 6.2 The Homeowners Policy: Dwelling and Belongings: video, teaching and worked examples Day 2: Lesson 6.2: project and notebook Day 3: Lesson 6.2: practice set and corrections Day 4: Lesson 6.3 The Homeowners Policy: Liability and the Gaps: video, teaching and worked examples Day 5: Lesson 6.3: project and notebook | ||
| Wk 20 | Day 1: Lesson 6.3: practice set and corrections Day 2: Lesson 6.4 Dwelling, Renters and Condominium Policies: video, teaching and worked examples Day 3: Lesson 6.4: project and notebook Day 4: Lesson 6.4: practice set and corrections Day 5: Lesson 6.5 After the Fire: Claims, Adjusters and Subrogation: video, teaching and worked examples | ||
| Wk 21 | Day 1: Lesson 6.5: project and notebook Day 2: Lesson 6.5: practice set and corrections Day 3: Unit 6 test Day 4: Lesson 7.1 Negligence and the Four Elements: How the Law Assigns Blame: video, teaching and worked examples Day 5: Lesson 7.1: project and notebook | ||
| Wk 22 | Day 1: Lesson 7.1: practice set and corrections Day 2: Lesson 7.2 The Personal Auto Policy: Liability and Medical Payments: video, teaching and worked examples Day 3: Lesson 7.2: project and notebook Day 4: Lesson 7.2: practice set and corrections Day 5: Lesson 7.3 The Personal Auto Policy: Uninsured Motorists and Physical Damage: video, teaching and worked examples | ||
| Wk 23 | Day 1: Lesson 7.3: project and notebook Day 2: Lesson 7.3: practice set and corrections Day 3: Lesson 7.4 The Umbrella: Liability for the Catastrophic Day: video, teaching and worked examples Day 4: Lesson 7.4: project and notebook Day 5: Lesson 7.4: practice set and corrections | ||
| Wk 24 | Day 1: Lesson 7.5 Workers' Compensation: The Great Bargain: video, teaching and worked examples Day 2: Lesson 7.5: project and notebook Day 3: Lesson 7.5: practice set and corrections Day 4: Unit 7 test Day 5: Lesson 8.1 Commercial Property and the Income That Stops: video, teaching and worked examples | ||
| Wk 25 | Day 1: Lesson 8.1: project and notebook Day 2: Lesson 8.1: practice set and corrections Day 3: Lesson 8.2 The CGL: Commercial General Liability: video, teaching and worked examples Day 4: Lesson 8.2: project and notebook Day 5: Lesson 8.2: practice set and corrections | ||
| Wk 26 | Day 1: Lesson 8.3 The Businessowners Policy: Main Street's Package: video, teaching and worked examples Day 2: Lesson 8.3: project and notebook Day 3: Lesson 8.3: practice set and corrections Day 4: Lesson 8.4 Commercial Auto, Inland and Ocean Marine: video, teaching and worked examples Day 5: Lesson 8.4: project and notebook | ||
| Wk 27 | Day 1: Lesson 8.4: practice set and corrections Day 2: Lesson 8.5 Crime, Bonds and Professional Liability: video, teaching and worked examples Day 3: Lesson 8.5: project and notebook Day 4: Lesson 8.5: practice set and corrections Day 5: Unit 8 test | ||
| Wk 28 | Day 1: Lesson 9.1 The Commissioner: Powers, Examinations and Penalties: video, teaching and worked examples Day 2: Lesson 9.1: project and notebook Day 3: Lesson 9.1: practice set and corrections Day 4: Lesson 9.2 Getting and Keeping the License: Renewals, CE and Appointments: video, teaching and worked examples Day 5: Lesson 9.2: project and notebook | ||
| Wk 29 | Day 1: Lesson 9.2: practice set and corrections Day 2: Lesson 9.3 Unfair Trade Practices: Twisting, Rebating and False Promises: video, teaching and worked examples Day 3: Lesson 9.3: project and notebook Day 4: Lesson 9.3: practice set and corrections Day 5: Lesson 9.4 Unfair Claims Practices, Privacy and Fraud: video, teaching and worked examples | ||
| Wk 30 | Day 1: Lesson 9.4: project and notebook Day 2: Lesson 9.4: practice set and corrections Day 3: Lesson 9.5 Suitability and Best Interest: Selling What the Client Needs: video, teaching and worked examples Day 4: Lesson 9.5: project and notebook Day 5: Lesson 9.5: practice set and corrections | ||
| Wk 31 | Day 1: Unit 9 test Day 2: Lesson 10.1 Exam Day: Enrollment, Fingerprints and the Testing Center: video, teaching and worked examples Day 3: Lesson 10.1: project and notebook Day 4: Lesson 10.1: practice set and corrections Day 5: Lesson 10.2 Appointed: Carriers, Contracts and the Captive–Independent Choice: video, teaching and worked examples | ||
| Wk 32 | Day 1: Lesson 10.2: project and notebook Day 2: Lesson 10.2: practice set and corrections Day 3: Lesson 10.3 An Honest Book of Business: Prospecting, Referrals and Service: video, teaching and worked examples Day 4: Lesson 10.3: project and notebook Day 5: Lesson 10.3: practice set and corrections | ||
| Wk 33 | Day 1: Lesson 10.4 The Agent's Income: Commissions, Renewals and the First Three Years: video, teaching and worked examples Day 2: Lesson 10.4: project and notebook Day 3: Lesson 10.4: practice set and corrections Day 4: Lesson 10.5 The Capstone: Your Pathway File and the Practice Exam Plan: video, teaching and worked examples Day 5: Lesson 10.5: project and notebook | ||
| Wk 34 | Day 1: Lesson 10.5: practice set and corrections Day 2: Unit 10 test Day 3: Review day for the final Day 4: Final exam: a full-length practice state licensing exam (150 questions, two and a half hours, one sitting) Day 5: Score the final as a state would (70% — 105 of 150 — passes), review every miss, and plan the real licensing steps with your parents | ||
| Wk 35 | Catch-up week: finish any MUST COVER lesson not yet done | ||
| Wk 36 | Year-end review, portfolio and records |
Grading: Practice sets (completed and corrected) 15%, Projects (real numbers, organization, explanation) 20%, Exam notebook (definitions, trap lists, state facts sheet, corrected misses) 10%, Unit tests 30%, Midterm exam (60 questions, timed) 10%, Final exam (full-length 150-question practice licensing exam, timed) 15%. Scale: A 90–100, B 80–89, C 70–79, D 60–69, F below 60.