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API 321: Effectively Managing a Personal Lines Portfolio

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Learn how to effectively build a personal lines portfolio and make the appropriate adjustments when it comes to product features, price, and service. By completing API 321, you’ll gain new skills to improve underwriting profitability, strengthen your organization’s position in the marketplace, and more.


Skills You’ll Gain

checkmark Refine personal lines strategies and build an effective personal lines portfolio to increase the overall performance of your book of business.

checkmark Improve underwriting profitability by learning new skills to decrease losses and control expenses.

checkmark Analyze the potential costs and benefits of developing and marketing new personal lines products to help maintain your organization’s financial strength.

checkmark Gain a more complete understanding of how rates are established to help you maintain profitability within a personal lines portfolio.

Ready-Made Career Skills:

  • Personal Insurance
  • Portfolio Management
  • Pricing Strategy
  • Underwriting
  • Profitability Improvement
  • Product Lines


Assignment 1:
Strategically Managing Personal Lines Products
25 Minutes
Assignment 2:
Improving Personal Lines Profitability
25 Minutes
Assignment 3:
Reunderwriting a Personal Lines Portfolio
20 Minutes
Assignment 4:
Pricing Personal Lines Products
20 Minutes
Assignment 5:
Fine-Tuning Personal Lines Products
25 Minutes
Assignment 6:
Adapting to Emerging Exposures
20 Minutes
Study Plan

Exam Prep Tools

API 321 comes with proven, comprehensive study materials to help you take The Institutes Designations' exam with confidence:

  1. Printable Study Outline: Perfect for taking notes, the printable study outline has key points for each assignment and review questions (and answers!) to help you test your knowledge as you move through the course.
  2. Practice Quizzes: Quickly see where your knowledge gaps are with online practice quizzes for each assignment and for the full course. Plus, you can take them as many times as you want.
  3. Simulated Exam: Designed to give you the full experience of your final exam, the simulated exam is a timed exam that you can take only once. It mimics the exam structure and level of questions you’ll find on the actual exam. Students who take their Institutes simulated exam pass their exams at higher rates than students who don’t.
  4. Discussion Boards: Understand how concepts you're learning apply to real-life, professional experiences by connecting, gaining tips, and sharing best practices with other individuals in your field.
  5. Flashcards: Test yourself on key terms with printable flashcards to help you fit studying into your busy schedule.

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  1. Does this course give me credit toward The Institutes Designations?
    • Yes! API 321 gives you credit toward the Associate in Personal Insurance (API™) designation.
  2. How long does the course take?
    • API 321 typically takes students 6-8 weeks to complete.
  3. How is The Institutes Designations’ exam structured?
    • Virtual exams are timed. You will have 65 minutes to complete 50 questions.
  4. What’s included in my course materials?
    • Course materials include the online course, printable study outline, practice quizzes, flashcards, discussion boards, and a simulated exam.
  5. How do testing windows work?
    • We offer The Institutes Designations’ exams in 4 testing windows throughout the year. You can complete your exam at any time in the testing window that you registered for. Access your exam from your account when the window opens and complete any time until 11:59 p.m. ET on the final day of the window.
      • Quarter 1: January 15 – March 15
      • Quarter 2: April 15 – June 15
      • Quarter 3: July 15 – September 15
      • Quarter 4: October 15 – December 15