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API 320: Evaluating and Underwriting Personal Lines Risks

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Overview Skills You'll Gain Exam Prep Tools FAQs

NEW: API 320 Now Includes Bonus Content on AI!

Learn the basics of AI, how to prompt large language models, how it's impacting risk management and insurance, and more. You’ll find the AI in Action bonus content in the Assignments section of your course. But don't worry — this won’t be on your exam!

Overview

Overview

Better serve your customers by learning how to properly tailor personal lines coverages to each of their unique loss exposures and needs. After completing API 320, you’ll be able to effectively market personal insurance through a variety of strategies, understand how technology is changing the personal lines market, and more.

4-6 WEEKS
Experienced

Skills You'll Gain

checkmark Apply various personal lines marketing strategies so you can successfully promote the right products and services to your customers.

checkmark Make informed business decisions that positively impact the bottom line by effectively analyzing the factors that affect pricing and profitability.

checkmark Ensure your organization maintains a competitive edge through an enhanced understanding of how emerging technologies are changing the personal lines market.

checkmark Confidently evaluate personal auto and residential loss exposures to ensure producers and customers are making proper coverage determinations.

Ready-Made Career Skills:

  • Personal Insurance
  • Underwriting
  • Personal Lines Auto
  • Product Marketing
  • Risk Management
  • Competitive Strategies

Assignments

Assignment 1:
Connecting Personal Risk Management and Technology
20 Minutes
Assignment 2:
Marketing Personal Lines Products
30 Minutes
Assignment 3:
Underwriting Personal Lines Products
15 Minutes
Assignment 4:
Analyzing Personal Auto Risks
20 Minutes
Assignment 5:
Assessing Residential Property Risks
30 Minutes
Assignment 6:
Evaluating Unique Personal Exposures
20 Minutes
BONUS CONTENT:
AI in Action
Study Plan

Exam Prep Tools

API 320 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. QuizMe App: A flexible and convenient way for you to assess your understanding anytime, anywhere.
  3. 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.
  4. 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.
  5. 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.
  6. Flashcards: Test yourself on key terms with printable flashcards to help you fit studying into your busy schedule.

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FAQ

FAQs

  1. Does this course give me credit toward The Institutes Designations?
    • Yes! API 320 gives you credit toward the Associate in Personal Insurance (API™) and Associate in Insurance (AINS®) designations.  
  2. How long does the course take?
    • API 320 typically takes students 4-6 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, QuizMe app, 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

*Exam windows that close on a weekend will be extended to the following business day.