{"podcast":{"title":"Insurance Exam Prep","slug":"insurance-exam-prep-7644557","podcast_index_feed_id":7644557,"rss_url":"https://feeds.captivate.fm/insurance-exam-prep/","website_url":"https://open-exam-prep.com/","image_url":"https://artwork.captivate.fm/50cd425f-ffca-47b8-ad44-91c46cf94dc0/20260105-1554-Insurance-Exam-Prep-Logo-simple-compose-01ke89b3v.png","author":"Ran Chen, EA, CFP®","episode_count":154,"summary":"Insurance Exam Prep is a daily podcast designed to help future insurance professionals pass their licensing exams with clarity and confidence. Built and operated by OpenExamPrep, this podcast breaks down insurance licensing exams into focused, easy-to-digest episodes covering Life Insurance, Health Insurance, and Property & Casualty, across both the national portion and state-specific requirements. Each episode targets one key concept, common exam trap, or high-frequency test topic—making it ideal for studying during commutes, workouts, or short study sessions. Created by Ran Chen, EA, CFP®, a financial professional and exam specialist who has personally passed multiple professional licensing exams, Insurance Exam Prep was developed from firsthand experience with how complex—and often poorly taught—insurance exam material can be. The goal is simple: make insurance exam preparation clearer, more accessible, and more effective through structured explanations and modern learning tools. Whether you’re preparing for a Life, Health, or P&C exam, just starting your licensing journey, or reviewing before test day, this podcast is designed to guide you step by step—one concept at a time. F…","last_synced_at":"2026-06-15T06:18:57.235707+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557"},"episode":{"title":"[Health Insurance] 32, Disability Income Riders and Additional Benefits","slug":"health-insurance-32-disability-income-riders-and-additional-benefits","published_at":"2026-04-28T23:26:01+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-32-disability-income-riders-and-additional-benefits","show_page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557","url":"https://open-exam-prep.com/","audio_url":"https://episodes.captivate.fm/episode/e9a3adfd-faf5-4c5d-a636-2e13bd5b174b.mp3","summary":"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 COLA rider adjusts disability benefits for inflation, but only after a claim has been paid for a specified period, typically one year. - The Future Increase Option rider allows you to buy more coverage in the future as your income rises, without needing to prove good health. - The Return of Premium rider refunds a portion of your premiums if you don't file a claim, but it is an expensive add-on. - The Social Insurance Supplement (SIS) rider pays an additional benefit when Social Security disability benefits are not being paid, such as during the waiting period or if the claim is denied. - The Waiver of Premium rider excuses you from paying premiums after you've been disabled for a specific waiting period, often 90 days. 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","meta_description":"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 passionat…","key_points":[],"chapters":[],"topics":[],"duration_seconds":219,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-32-disability-income-riders-and-additional-benefits/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-32-disability-income-riders-and-additional-benefits.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}