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<rss xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:podcast="https://podcastindex.org/namespace/1.0" xmlns:media="http://search.yahoo.com/mrss/" version="2.0"><channel><title>Insurance Exam in the Car</title><link>https://www.spreaker.com/podcast/insurance-exam-in-the-car--5485594</link><description><![CDATA[Insurance Exam in the Car turns your commute into a study session for the Life &amp; 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.]]></description><atom:link href="https://www.spreaker.com/show/5485594/episodes/feed" rel="self" type="application/rss+xml"/><language>en</language><category>Education</category><copyright>Copyright Circle Of Insight Productions</copyright><image><url>https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg</url><title>Insurance Exam in the Car</title><link>https://www.spreaker.com/podcast/insurance-exam-in-the-car--5485594</link></image><lastBuildDate>Sun, 18 Oct 2026 23:49:59 +0000</lastBuildDate><itunes:author>Circle Of Insight Productions</itunes:author><itunes:owner><itunes:name>Circle Of Insight Productions</itunes:name><itunes:email>feeds@spreaker.com</itunes:email></itunes:owner><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg"/><itunes:subtitle>Insurance Exam in the Car turns your commute into a study session for the Life &amp; Health Insurance licensing exam. Each episode breaks down policies, underwriting, riders, annuities, beneficiaries, taxation, health insurance, disability coverage,...</itunes:subtitle><itunes:summary><![CDATA[Insurance Exam in the Car turns your commute into a study session for the Life &amp; 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.]]></itunes:summary><itunes:category text="Education"/><itunes:category text="Business"/><itunes:category text="Business"><itunes:category text="Investing"/></itunes:category><itunes:explicit>false</itunes:explicit><podcast:guid>65226dd3-0ce4-5bb3-a021-5f09edbc65c9</podcast:guid><itunes:type>episodic</itunes:type><item><title>Insurable Interest Explained: Who Can Legally Insure Whom?</title><link>https://www.spreaker.com/episode/insurable-interest-explained-who-can-legally-insure-whom--75851787</link><description><![CDATA[Can you purchase life insurance on a stranger? Can a business insure the life of an employee? And what happens when someone takes out an insurance policy hoping to profit from another person’s death? In this episode of Insurance Exam in the Car, we explain insurable interest, one of the most important legal principles tested on the Life and Health Insurance Licensing Exam. Learn the difference between life and property insurance, recognize common exam traps, and understand how insurable interest helps prevent fraud.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/75851787</guid><pubDate>Sun, 18 Oct 2026 23:33:11 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/75851787/podcast_1792366180.mp3" length="2258233" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/starship/862789ad-19d2-4b5b-b38c-ae1a0871942f/862789ad-19d2-4b5b-b38c-ae1a0871942f.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/862789ad-19d2-4b5b-b38c-ae1a0871942f/862789ad-19d2-4b5b-b38c-ae1a0871942f.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/862789ad-19d2-4b5b-b38c-ae1a0871942f/862789ad-19d2-4b5b-b38c-ae1a0871942f.vtt" type="text/vtt" language="en"/><itunes:author>Circle Of Insight Productions</itunes:author><itunes:subtitle>Can you purchase life insurance on a stranger? Can a business insure the life of an employee? And what happens when someone takes out an insurance policy hoping to profit from another person’s death? In this episode of Insurance Exam in the Car, we...</itunes:subtitle><itunes:summary><![CDATA[Can you purchase life insurance on a stranger? Can a business insure the life of an employee? And what happens when someone takes out an insurance policy hoping to profit from another person’s death? In this episode of Insurance Exam in the Car, we explain insurable interest, one of the most important legal principles tested on the Life and Health Insurance Licensing Exam. Learn the difference between life and property insurance, recognize common exam traps, and understand how insurable interest helps prevent fraud.]]></itunes:summary><itunes:duration>142</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Premiums, Deductibles, Limits, and Exclusions: Four Insurance Terms You Must Know</title><link>https://www.spreaker.com/episode/premiums-deductibles-limits-and-exclusions-four-insurance-terms-you-must-know--75704020</link><description><![CDATA[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.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/75704020</guid><pubDate>Sun, 11 Oct 2026 22:48:40 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/75704020/podcast_1791758700.mp3" length="3051937" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/starship/2c718075-2893-48c3-a43a-72e60b32398d/2c718075-2893-48c3-a43a-72e60b32398d.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/2c718075-2893-48c3-a43a-72e60b32398d/2c718075-2893-48c3-a43a-72e60b32398d.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/2c718075-2893-48c3-a43a-72e60b32398d/2c718075-2893-48c3-a43a-72e60b32398d.vtt" type="text/vtt" language="en"/><itunes:author>Circle Of Insight Productions</itunes:author><itunes:subtitle>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...</itunes:subtitle><itunes:summary><![CDATA[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.]]></itunes:summary><itunes:duration>191</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Risk, Peril, and Hazard: Three Insurance Terms You Must Know</title><link>https://www.spreaker.com/episode/risk-peril-and-hazard-three-insurance-terms-you-must-know--75570791</link><description><![CDATA[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.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/75570791</guid><pubDate>Sun, 04 Oct 2026 20:53:37 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/75570791/podcast_1791147031.mp3" length="2645263" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/starship/288a5ea0-2c75-4a79-972c-399164bf764f/288a5ea0-2c75-4a79-972c-399164bf764f.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/288a5ea0-2c75-4a79-972c-399164bf764f/288a5ea0-2c75-4a79-972c-399164bf764f.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/288a5ea0-2c75-4a79-972c-399164bf764f/288a5ea0-2c75-4a79-972c-399164bf764f.vtt" type="text/vtt" language="en"/><itunes:author>Circle Of Insight Productions</itunes:author><itunes:subtitle>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...</itunes:subtitle><itunes:summary><![CDATA[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.]]></itunes:summary><itunes:duration>166</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Read the Policy Like an Examiner: The Four Parts That Make Insurance Work</title><link>https://www.spreaker.com/episode/read-the-policy-like-an-examiner-the-four-parts-that-make-insurance-work--75433293</link><description><![CDATA[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.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/75433293</guid><pubDate>Tue, 29 Sep 2026 16:56:29 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/75433293/output.mp3" length="2764242" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/starship/b5e1eccc-a994-4d3b-a20e-66e141b32ee3/b5e1eccc-a994-4d3b-a20e-66e141b32ee3.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/b5e1eccc-a994-4d3b-a20e-66e141b32ee3/b5e1eccc-a994-4d3b-a20e-66e141b32ee3.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/b5e1eccc-a994-4d3b-a20e-66e141b32ee3/b5e1eccc-a994-4d3b-a20e-66e141b32ee3.vtt" type="text/vtt" language="en"/><itunes:author>Circle Of Insight Productions</itunes:author><itunes:subtitle>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...</itunes:subtitle><itunes:summary><![CDATA[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.]]></itunes:summary><itunes:duration>173</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Who Gets What? Understanding Policyowners, Insureds, and Beneficiaries</title><link>https://www.spreaker.com/episode/who-gets-what-understanding-policyowners-insureds-and-beneficiaries--75289065</link><description><![CDATA[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.”]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/75289065</guid><pubDate>Tue, 22 Sep 2026 01:33:17 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/75289065/podcast_1790040505.mp3" length="3035637" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/starship/bed4a80e-cdbb-43b3-88bc-393fe3cf1851/bed4a80e-cdbb-43b3-88bc-393fe3cf1851.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/bed4a80e-cdbb-43b3-88bc-393fe3cf1851/bed4a80e-cdbb-43b3-88bc-393fe3cf1851.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/bed4a80e-cdbb-43b3-88bc-393fe3cf1851/bed4a80e-cdbb-43b3-88bc-393fe3cf1851.vtt" type="text/vtt" language="en"/><itunes:author>Circle Of Insight Productions</itunes:author><itunes:subtitle>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...</itunes:subtitle><itunes:summary><![CDATA[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.”]]></itunes:summary><itunes:duration>190</itunes:duration><itunes:keywords>advisor,beneficiaries,education,exam,financial,insurance,law,legal,life,money</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Term life versus whole life insurance</title><link>https://www.spreaker.com/episode/term-life-versus-whole-life-insurance--75288532</link><description><![CDATA[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.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/75288532</guid><pubDate>Tue, 22 Sep 2026 00:47:54 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/75288532/podcast_1790037772.mp3" length="3555996" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/starship/03b0bdb7-6519-45a7-bea3-a0850673b9b5/03b0bdb7-6519-45a7-bea3-a0850673b9b5.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/03b0bdb7-6519-45a7-bea3-a0850673b9b5/03b0bdb7-6519-45a7-bea3-a0850673b9b5.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/03b0bdb7-6519-45a7-bea3-a0850673b9b5/03b0bdb7-6519-45a7-bea3-a0850673b9b5.vtt" type="text/vtt" language="en"/><itunes:author>Circle Of Insight Productions</itunes:author><itunes:subtitle>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...</itunes:subtitle><itunes:summary><![CDATA[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.]]></itunes:summary><itunes:duration>223</itunes:duration><itunes:keywords>advisor,california,education,exam,finance,financial,insurance,investing,life,money,term,whole</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/b8016415369a3d31b873b0625d519bb9.jpg"/><itunes:episodeType>full</itunes:episodeType></item></channel></rss>
