Insurance P&C Exam Prep 2026

INSURANCE P&C PREP: PASS YOUR LICENSE. START YOUR CAREER.

40-60% of people fail this exam. Don't be one of them.

The only P&C prep app with calculators that teach you the concepts AND help you on the job.

PREMIUM RATE ESTIMATOR

Understand how premiums are calculated. Enter risk factors, see how they affect price.

Factors include:
- Age and driving record
- Vehicle type and location
- Coverage limits and deductibles
- Credit score impact

See the math behind every quote. Explain pricing to future clients. Pass premium calculation questions on the exam.

COINSURANCE PENALTY CALCULATOR

The 80% rule is heavily tested. Our calculator shows you exactly how it works.

Enter:
- Property value
- Coverage amount
- Loss amount

See:
- Are you meeting the coinsurance requirement?
- What percentage will insurance pay?
- How much is the penalty?
- Step-by-step formula breakdown

Never miss a coinsurance question again.

COVERAGE COMPARISON CALCULATOR

Compare policy options side by side.

Split limits explained:
- 100/300/100 means what exactly?
- How much more coverage for how much more premium?
- Which option offers better value?

Make recommendations. Pass comparison questions.

COMMISSION CALCULATOR

You passed. Now what will you earn?

Calculate:
- First year commission on any policy
- Renewal income projections
- Policies needed to hit income goals
- Monthly and annual projections

Plan your career while you study.

1000+ PRACTICE QUESTIONS

General Insurance Concepts
- Risk and insurance principles
- Policy structure and terminology
- Insurable interest and indemnity

Property Insurance
- Valuation methods (ACV vs RCV)
- Coinsurance calculations
- Coverage forms and endorsements

Casualty and Liability
- CGL coverage parts
- Professional liability
- Occurrence vs claims-made

Auto Insurance
- PAP coverage sections
- Split limits and CSL
- UM/UIM coverage

Homeowners Insurance
- HO form differences (HO-3, HO-4, HO-6)
- Coverage percentages
- Section I vs Section II

Commercial Insurance
- BOP and CPP
- Workers compensation
- Specialty lines

Plus: Policy provisions, underwriting, claims, ethics and regulations

WHO NEEDS THIS APP

- Career changers entering insurance
- Anyone starting a commission-only job
- Agents adding P&C to their license
- Students in insurance programs
- Anyone who failed and needs to pass

This exam is your gateway to employment. Take it seriously.

FREE TO START

5 questions per day free. Calculators in demo mode. See what you're getting.

PRO - TRY FREE FOR 3 DAYS

Start your free trial. Get full access immediately. Cancel anytime.

Full access includes:
- Unlimited practice questions
- All four calculators
- Exam simulator
- Progress tracking
- All reference materials
- No ads ever

PASS FIRST TRY. START EARNING.

The exam costs $50-100. Failing means no job. This app costs less than lunch.

2 million agents are already licensed. Join them.

This app is for educational purposes only. Insurance licensing requirements vary by state. Check with your state insurance department for specific requirements.

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