エピソード

  • Premiums, Deductibles, Limits, and Exclusions: Four Insurance Terms You Must Know

    Premiums, Deductibles, Limits, and Exclusions: Four Insurance Terms You Must Know
    2026/10/11
    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 分
  • Risk, Peril, and Hazard: Three Insurance Terms You Must Know

    Risk, Peril, and Hazard: Three Insurance Terms You Must Know
    2026/10/04
    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 分
  • Who Gets What? Understanding Policyowners, Insureds, and Beneficiaries

    Who Gets What? Understanding Policyowners, Insureds, and Beneficiaries
    2026/09/22
    One person buys the policy, another person is insured, and a third may receive the money, so who actually controls what? This episode separates the roles of the policyowner, insured, and beneficiary and introduces the important distinction between revocable and irrevocable beneficiaries. Two original practice questions show how these roles can appear in California licensing-exam scenarios. The recall cue is simple: “Owner controls, insured is covered, beneficiary collects.”
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    3 分
  • 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
    2026/09/29
    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 分
  • Term life versus whole life insurance

    Term life versus whole life insurance
    2026/09/22
    A fictional California family needs life insurance, but should the coverage last 20 years or potentially a lifetime? This episode breaks down term and whole life insurance, including premiums, cash value, death benefits, and the fundamental difference between temporary and permanent protection. You’ll work through two original practice questions designed to reinforce the distinction. By the end, the recall cue “Term means time, whole means whole life” will help keep the concepts straight.
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    4 分