# Property & Casualty Exam Prep 68, Mortgagee, Loss Payee, and Additional Insured

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-68-mortgagee-loss-payee-and-additional-insured
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-68-mortgagee-loss-payee-and-additional-insured.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-08-09T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/c9c68d2a-32a2-4909-8f1d-69af66d0cc10.mp3
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Duration seconds: 205

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The critical difference between property rights (Mortgagee, Loss Payee) and liability protection (Additional Insured). - Why a Mortgagee has the strongest rights and gets paid even if the insured commits fraud. - The distinction between a standard Loss Payee and a Lender's Loss Payable clause for personal property. - When to use an Additional Insured endorsement to extend liability coverage to another party, like a landlord. - How 'Additional Interest' is a distractor term on the exam, offering no actual coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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