Free Insurance Exam Podcast (2026): Life & Health, Property & Casualty Audio Study Guide

Home / Blog / Free Insurance Exam Podcast (2026): Life & Health, Property & Casualty Audio Study Guide Insurance 8 min read Free Insurance Exam Podcast (2026): Life & Health, Property & Casualty Audio Study Guide Free podcast for Life & Health and Property & Casualty insurance exams. Study on your commute or at the gym. Covers all 50 states. No cost, no signup required. Ran Chen, EA, CFP® January 23, 2026 Summarize AI

Free exam prep Life & Health Study Guide 124 topics Practice Questions 425 questions Cheat Sheet 71 facts Flashcards 50 cards

✓ Key Facts • The free Open Exam Prep Insurance Podcast covers Life & Health and Property & Casualty licensing topics on Spotify, Apple Podcasts, and YouTube with no signup required. • California's combined Life, Accident and Health exam has 150 questions, and Illinois tests each line with separate General and State exams (state candidate handbooks). • California's combined Property and Casualty exam has 150 questions and, like its other producer exams, requires a score of 60 percent to pass (California Department of Insurance). • California requires 60 percent to pass its producer exams, while Illinois uses a scaled passing score of 70 that is not a percentage correct (state handbooks). • No agency publishes a single national first-time pass rate for insurance licensing exams, because each state runs its own exams and reports its own results. • OpenExamPrep's AI study tutor answers up to 10 free questions per day at no cost, with no credit card or subscription required. • The Open Exam Prep podcast's insurance episodes cover regulatory topics including NAIC model laws, producer licensing, unfair trade practices, replacement rules, and guaranty associations. • OpenExamPrep offers free state-specific Life & Health and Property & Casualty practice questions for all 50 states to pair with podcast listening.

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Also available on Spotify • Apple Podcasts • YouTube

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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 Actually Covers Confirmed Episode Topics (Licensing & Regulation) The insurance episodes focus on the regulatory rules that appear on every state exam, regardless of which line of authority you're pursuing: State insurance commissioner and department authority NAIC model laws and how they become state regulation Types of insurance organizations (stock, mutual, fraternal, HMOs) Producer licensing requirements and lines of authority Continuing education requirements Unfair trade practices and unfair claims settlement practices Policy replacement regulations and free look period provisions Insurance guaranty associations and insurance fraud These rules are tested almost identically across all 50 states, which is exactly why they translate so well to audio—you don't need state-specific detail to absorb them on a commute. Product Knowledge to Pair With Practice Questions Product-specific details (policy forms, coverage limits, exact numbers) are better drilled with written practice than audio alone. Use the tables below as your study checklist, then use the practice links further down for each topic. 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 Free vs. Paid Insurance Exam Podcasts Most insurance exam podcasts hold their full course behind a paywall and give away only a handful of sample episodes—typical bundles run $80+ for around 20-25 hours of paid audio, with just a few free samples unlocked by an email signup. The Open Exam Prep Insurance Podcast works differently: every episode is free on Spotify, Apple Podcasts, and YouTube, with no email gate, no trial period, and no upsell to a paid tier. Pair it with our free state-specific practice questions and AI tutor and you have a complete prep stack without spending a dollar. Study Strategy: Podcast + Practice Questions The 3-Step Method Step 1: Listen During Downtime Use commutes and exercise time to absorb the regulatory concepts above 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: Life & Health Practice → Property & Casualty Practice → 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 Focus 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 many questions are on an insurance licensing exam?" It varies widely by state. California's combined Life, Accident and Health exam and its combined Property and Casualty exam each have 150 questions and a 60% pass mark, while Illinois uses separate General and State exams for each line and a scaled passing score of 70. Check your state's candidate handbook for exact numbers. "How hard are insurance exams?" There is no single national pass rate, because each state runs its own exams and only some publish results. Common reasons candidates fail include: 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.

Start Free Life & Health Practice → Free exam prep with practice questions & AI tutor

Start Free P&C Practice → Free exam prep with practice questions & AI tutor Turn Listening Into Exam Points A podcast episode only raises your score if you convert it into rules, exceptions, and scenarios. After each episode, ask what an exam writer could test: Is there a required disclosure? A prohibited sales practice? A timing window? A licensing step? A difference between state and federal authority? Those are the details most likely to become questions. Make it active, not passive: pause after an episode and write five questions it should have answered, then answer them without looking at notes. If you can't, replay only that segment and turn it into a flashcard or a tagged practice question. A good rule is two listens per topic, then switch to written practice—licensing exams grade whether you can apply a rule in unfamiliar wording, not whether a phrase sounds familiar. Keep official sources close for anything that affects licensing or consumer rights. The NAIC state insurance department directory routes you to your current regulator, and NIPR state requirements helps verify application workflows. Use OpenExamPrep for practice and explanations; use official sources for current legal, fee, and filing details. Practice Routing by Exam Type For Life and Health, route your practice toward policy provisions, replacement, annuities, Medicare-related products, health renewability, unfair trade practices, and producer duties. For Property and Casualty, route toward policy structure, covered causes of loss, liability triggers, auto requirements, workers' compensation, commercial exposures, cancellation, nonrenewal, and claims practices. When you miss a practice question, don't stop at the right answer. Write one sentence on why the correct answer wins and one sentence on why your chosen answer was tempting. That second sentence is where the trap lives: a familiar term, a true statement that didn't answer the question, or a state rule confused with a national concept. Exam-Day Reading Strategy Insurance exams reward precise reading. Before choosing an answer, identify the product, the parties, the state-law clue, and the action being tested. If a question asks what a producer must do, don't answer what an insurer may do. If it asks about a policyholder right, don't answer with a carrier's underwriting preference. If it asks for the best next step, look for the compliant action that preserves documentation and doesn't mislead the consumer. Audio builds familiarity; written practice proves you can apply it. Use this article and the podcast for context, then keep practicing with OpenExamPrep Life & Health and Property & Casualty questions until you can answer the same idea in wording you've never seen before—and for licensing logistics, fees, and filing steps, always confirm against your state regulator's current candidate handbook.

Test Your Knowledge Question 1 of 4

Which type of life insurance provides coverage for a specific period of time?

Whole life

Term life

Universal life

Variable life Check Answer Need a hint? AI

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Practice Scenarios Practice with real-world scenarios Insurance Exam Life and Health Property and Casualty Podcast Free Study Material Audio Learning Insurance License

Free Study Resources

Life & Health Study Guide 124 topics Practice Questions 425 questions Cheat Sheet 71 facts Flashcards 50 cards Course Playlist 79 videos Shorts 4 short s Videos 124 videos Blogs 69 blogs Free CE Radio On air Radio Now playing

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Life & Health Insurance License Mastery 2025-2026: Complete Study Guide with 500 Practice Questions and Detailed Answer Explanations By Harris, Josephine Yvette $19.99 · Buy on Amazon Prep course on Achievable Online course on Mometrix Take courses on Udemy

Property & Casualty Study Guide 72 topics Practice Questions 235 questions Cheat Sheet 79 facts Flashcards 50 cards Course Playlist 141 videos Shorts 3 short s Videos 88 videos Blogs 64 blogs Free CE Radio On air Radio Now playing

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Property and Casualty Insurance License Exam Study Guide: Property Casualty Insurance Book and Practice Test Questions [3rd Edition] By Tpb Publishing $34.99 · Buy on Amazon Take courses on Udemy Online course on Mometrix Prep course on Achievable

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