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The API™ 28 exam is a 90-minute exam consisting of 55 multiple choice questions broken up into two sections, part A and part B.
For more info about what to expect on the exam, see our blog about the API™ 28 Exam Overview.
The API™ 28 exam questions are tough, these questions focus on the minor details and differences of the underwriting process and personal insurance product. It is extremely important that you memorize all of the underwriting techniques and details for each type of personal insurance product. This is the hardest part of the API™ 28 exam.
For more insight, see our blog about the API™ 28 Difficulty.
The API™ 28 exam covers the topics of personal insurance underwriting and marketing including underwriting for auto, homeowners, miscellaneous vehicles, umbrella, watercraft, and inland marine.
As you may have expected, a major focus of this exam is underwriting, in particular underwriting the homeowner’s policy, automobile, watercraft, and miscellaneous vehicles. Be sure to fully understand the underwriting considerations of each line of business. The API™ 28 exam will put you in the shoes of an underwriter, it will be your job to make an underwriting recommendation based on given scenario.
Below we are outlining some important API™ 28 exam topics. We recommend you master these topics before attempting the API™ 28 exam. This is our opinion of the topics that are important on your exam.
For more info about the most important topics see our blog about the API™ 28 Exam Topics.
1) Read the book/online course or attend a API™ class! This is by far the most important tip. These API™ exams are tricky and the exam questions will relate to very minute details from your API™ course or book. Skimming through the course will not cut it, you must read EVERYTHING. Even reading it just once will help you recall the information on your exam
2) Take notes. This doesn’t mean you should rewrite every single word from the API™ 28 course. Use shorthand and bullet points to quickly jot down the most important topics. This will help you better retain the information for easier recall on the test and will give you a “study guide” to refer back to (rather than rereading the text!)
3) Practice, practice, practice. Take as many practice exam and quizzes as you possibly can. This will help you familiarize yourself with the API™ question format and help you determine which topics you need to re-study. Once you go through a few practice quizzes and exams, return to your notes from step 2 and review any section that you failed to comprehend on the practice exam.
For more information about the type of questions you will see on the exam see our blog about the API™ 28 Exam Questions.
Here’s all four videos to our API™ 28 four-part video series, covering everything you need to know to prepare for your API™ 28 exam:
For more information about the API™ 28 exam, checkout some of our other free resources:
Remember, every API™ exam is different. No single exam is the same. Be sure to study ALL topics (not just our recommendation). This resource is intended to provide you with a general idea of where your focus should be. Make sure to thoroughly study every topic of this exam.
Difficulty rank, importance rank, and the advice provided in this resource are solely the opinion of AssociatePI. This resource is intended to provide you with a general idea of where your focus should be. Each exam administered by The Institutes is different. AssociatePI is not affiliated with The Institutes or involved in the exam writing process. Please be sure to thoroughly study every chapter and every topic of this course.
API™ exams are administered by the American Institute for Chartered Property Casualty Underwriters (“The Institutes”). AssociatePI does not administer the actual exams, we are an independent resource of free content, advice, and study material for professional insurance education. This blog is intended for informational purposes only, to inform prospective students of the benefit of the API™ designation.
CPCU® and API™ are trademarks of the American Institute for Chartered Property Casualty Underwriters (“The Institutes”). AssociatePI LLC is not affiliated with, associated with, endorsed by or otherwise supported or recognized by The Institutes in any way. AssociatePI LLC is not authorized by The Institutes to offer courses, practice examinations, or any other resources related to the Institutes’ designations or other programs.
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